This does not sound like an auto policy, is this medical? If so, you are responsible for the copay. I would contact your benefits administrator.
No, Not at all....
AnswerIt depends on the allowed amounts. Even if it does pay something it will never pay the entire copay.
The most popular Medicare HMO is Secure Horizons. It offers a primary care physician that provides referrals to specialists and the insured is only responsible for a copay.
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.
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.
$141.50 is the copay for Medicare nursing home stays (day 21-100)
I don't quite understand your question. Check this link http://www.steveshorr.com/technical_questions.htm#Primary for links to explanations of dual coverage. Have you read the applicable provisions in your policies?
Yes, most people on Medicare will need to pay a copay in order to go to physical therapy appointments. This is considered to be a specialist. If you have other health insurance outside of Medicare, this may cover the copay amount.
No. Patients out of pocket is limited to the annual deductible and 20% coinsurance.
no, there is a deductable and after day 60 there is a per day copay
Depends on the doctors office billing procedures. For more details visit www.SteveShorr.com yes, your secondary insurance should cover this amount if you have reached your deductible with them. Normally, if the primary insurance applies a deductible or co-insurance/co-pay and you have not met your deductible on your secondary policy, depending on your policy they may apply the remaining balance to your deductible. Normally after the deductible is met on the secondary ins. they pay 100% of your remaining balance.
Yes. Thanks to health reform, Medicare beneficiaries now get a one-time "Welcome to Medicare" physical exam during the first year after they enrolled in Medicare Part B, and then, after a year enrolled in Medicare Part B, they get a yearly wellness exam. Beneficiaries also receive a decent list of free tests with NO copay and more tests WITH a copay. The details are in the Medicare Resource Center link below.
The co-pay is typically owed to the provider of the service(s).
Yes, but unlike other procedures that are 80%/20% copay, knee & hips are 70%/30% which means that either secondary insurance pays the thousands of dollars in copayments or the patient pays.
The Medicare Part B deductible for 2009 is $135.00. After you meet the $135.00 deductible, you will pay 20% of the bill unless you have a Medicare Supplement that pays the 20% for you. Some Medicare Supplements pay the $135.00 for you. If you have a Medicare Advantage Plan (Part C) your "copay" will vary between the type of plan, the company that offers it, and whether or not the doctor is a family doctor or a specialist. If you have one of these plans, usually a PPO or HMO, you don't pay the Medicare Part B deductible of $135.00
Medicare has various deductibles and co-insurance depending on what service is provided. In general Medicare is known as the 80/20 plan since apart from deductibles payable by the beneficiary, Medicare generally pays 80% of the Medicare allowable amount and the beneficiary pays 20% of the Medicare allowable amount.
Medicaid will pay the copay only if the amount of the copay added to whatever the primary insurance paid is less than or equal to what Medicaid would allow for that charge to begin with. Like charge of $50 for a visit, and the copay is $10 and the primary insurance paid $3 and Medicaid allows $15 for that particular code. Then Medicaid would pay $12.00 of it. This is highly unlikely, though.
Yes. That's why one should have Medicaid (if eligible) or supplemental insurance.
Your secondary insurance may not cover a pharmacy copay because it is not viewed as necessary or has not been approved. This is usually associated with premium medications or those which have a preferred drug over the prescribed medication.