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If the the primary health insurance is catastrophic and the secondary is a PPO do you have to meet the catastrophic deductible before you can access the secondary benefits?
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Does secondary dental insurance pay deductible on the first?
It depends on the provisions for coordination of benefits. Some do, some don't.
What does deductible on health insurance mean?
Within every health insurance policy there are "free" benefits, such as preventive care. In addition, most policies - not all - offer benefits such as a copay for office visits and even copays for precriptions benefits. Let's refer to these benefits a PRE-DEDUCTIBLE benefits. Other than whatever pre-deductible benefits are included on your policy YOU are responsible for all other medical expenses until you have spent the amount equal to your deductible. If you have a $1,500 deductible, other than your pre-deductible benefits, you would be responsible for the first $1,500 in medical expenses each calendar year. After that, the carrier will begin paying their share.
What happens when one is covered by two insurance plans?
That is if the secondary does not have a clause in it that "they will not duplicate benefits" If so they will not always pay the difference. They will figure out the amount they would normally pay, subtract what the primary pays from that amount and pay the difference (which with mine is little to nothing and I end up paying the balance of the bill) Nothing really happens, one is the primary and the other is the secondary insurance for the patient. Primary insurance will pay up to 80% of allowed charges if the deductible is met, and the secondary insurance will pay the remaining 20% of the claim, again, if the deductible for the year has been met.
When should you submit a claim to a secondary insurance company?
After you have received the Explanation Of Benefits (EOB) from your primary carrier if there is coordination of benefits. If the secondary insurance is an indemnity you do not need to wait.
The required initial amount you pay before your receive insurance benefits is called the?
its called the deductible. ask an insurance company about it.
Can you deduct cancer insurance from your taxes?
Generally, the premiums are not deductible, and benefits would not be taxable income.
What must be paid each year by the policy holder before the insurance policy benefits begin?
Deductible
What are the benefits of major medical expense protection?
it protects against catastrophic losses yet avoids administrative burdens associated with smaller claims below the deductible amount.
What are the benefits of a high deductible insurance plan?
Whether for health or automobile insurance, these plans require you to pay a greater part of the cost of insured services. The benefit is that your premium is lower--with auto insurance, frequently increasing your deductible can reduce your premium by more than the deductible (i.e., if you raise your comprehensive from $250 to $100, you would save $160 a year). There is also a secondary benefit in that you will make fewer claims which will reduce the likelihood of your policy being cancelled or having your premiums go up in the future.
If you have Medicare Part A B what are the benefits of having a more expensive secondary insurance over a less expensive supplemental or medigap insurance?
I'm not sure what you mean by a "secondary" insurance.
If a patient has Medicaid coverage benefits and other health insurance coverage Medicaid would be primary or secondary?
Secondary.
Why do companies offer health insurance benefits?
It's tax deductible, guaranteed issue and it attracts a better class of worker.
