Some will. Check with the secondary insurer.
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
Secondary insurance will not pay the claim but the remaining charges should not be billed to the member/patient. Provider of service should write off the patient responsibility that primary insurance applied.
== == If secondary insurance denies coverage, YOU get to pay the bill. == ==
I have insurance paid for by my employer (primary) and through my husband's employer (secondary). In my experience, I have never had to pay the copay required by my primary because it is covered by my secondary. When I first got married, 2 years ago, I still paid the copay, but the doctor's office would always send me a check for the copay a month later because the secondary paid it.
if primary paid more than allowed amount or if patient has primary insurance
In most cases a secondary insurance would compensate coverage were the primary insurance does not. Exceptions apply to the prescription drug type and coverage limitations.
yes, they will treat it as if the primary was a different company. You pay two premiums. If they do not, contact the DOI.
after getting the payment from medicare (Primary) then secondary (X/Y/Insurance should pay even if there is no auth. And only this happens if secondary insurance follow medicare guidelines.
No, it's fraudulant. It's not practical, the secondary insurance should pay the remainder of the cost the primary insurance doesn't cover.
Read your policy
Depending on your coverage, your primary insurance will cover 80% of your charges, minus your deductible (if not already met). Your secondary insurance will pick up the remaining 20% co-insurance and your co-pay, if you have one.
There is one major difference between these types of claims. When a person has two different insurance carriers, one of them is designated as the primary coverage and the other as the secondary. The primary insurance should be billed first and normally pays the bulk of the bill. The secondary insurance gets billed for the remainder of the bill which the primary insurance did not pay for.
Every covered life, whether utilizing Medicare as primary or secondary insurance is subject to the same, annual Medicare deductible.
If a husband and wife both have dental insurance through their employers, the employee's insurance is primary when the employee is the patient, and it must pay it's benefits. The spouse's insurance is secondary, and will only pay once the primary insurance has paid. Depending on how the policy is written, sometimes the secondary insurance will pay any residual fees up to the annual maximum. Sometimes the secondary insurance only pays if their fee schedule allows higher fees than the primary insurance. This assumes that each spouse is named as a dependent on each other's policy. Ask the insurance coordinator at your dental office to what benefits are available between the two policies.
Primary has to process and pay claims first then secondary will process and pay leftover expenses according to their policy provisions. The secondary sometimes excludes payment towards a primary policy deductible.
The answer to this question depends on what kind of secondary insurance you have - is it a group health plan? Is it a supplement? If Medicare is primary, there are still deductibles, copays, coinsurance that would need to be satisfied by your secondary insurance. Based on your question, I'm assuming that you have a group health plan with a copayment as your secondary insurance. If so, then yes, you would pay your copayment but it would not exceed the part B deductible.
Here's a basic example of how secondary health insurance works. You go to the doctor, he charges you $100 for the visit. Your primary insurance pays him $50 and disallows $10. The remainder of the bill, $40, then either comes to you to pay or to a secondary insurance. In most cases the secondary will pay most, if not all of the $40.
No. You will have to use your health insurance first.
I need more details in order to answer this question.
When a patient has primary and secondary insurance plans and there is a CO Bcarve out clause on their secondary plan this is what happens. Primary pays their amount and secondary subtracts primary's payment from what they were suppose to pay and pays the difference. Example: Primary pays 50% of a filling which cost $100.00 and secondary pays 80%. Primary pays $50.00, secondary would pay $80.00, therefore, secondary would only pay $30.00 of the remaining $50.00. It is a very confusing issue and I have been in dental for over 25 years and I still have a hard time explaining this to patients.
You're going to have to look at your policy or brochure to see what the provisions are. For more details see www.steveshorr.com/supplemental.htm