Medical Insurance

If you have the same insurance for your primary and secondary can you still end up with a balance you owe?


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2017-06-22 22:19:55
2017-06-22 22:19:55

Having the same insurance company twice, as a primary and secondary, means you are paying twice for the same insurance policy. They probably will not cover the same thing twice, or they may treat it as two different policies and may treat it that way.

If they were two different policies, The primary would deal with any deductible and copay before fulfilling its contractual obligation and so would the secondary policy depending on the wording of the contract. Unless there is no deductible and copay, or if one policy covers the deductible/copy of the other, there will still be a balance you owe.

There is also the situation where your medical provider will not accept or fully participate in your insurance policy, in which case you may owe the difference between the doctors bling amount and what was paid by the insurance(s).

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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.

Medicare is always the primary insurance unless someone is still working

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.

Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.

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.

Your insurance through your employer is your primary insurance, and your spouse's primary insurance is through his/her employer. If both husband and wife are insured on both insurance policies, then you have primary and secondary coverage. But you will still have to pay any deductibles and co-pays before either policy will pay. The deductible is the amount you first have to pay (usually at the first of the year) before the insurance will pay anything. The co-pay is your percentage of what the insurance doesn't pay, which for many health insurance companies is 80% for them and 20% for you. There is sometimes a co-insurance that you have to pay also. Ex: Insurance companies have a set amount that they pay for any office visit, procedure, etc. If the bill is over what the insurance pays, then you are responsible for the balance.

If the primary is listed as receiving 100% then they get 100% no matter what. If it is a split percentage between primary and secondary and the secondary is dead or unreachable, then that percentage goes to the insuredes estate. If their is just a primary and no secondary listed, then the primary gets it all as long as they are still living. The secondary is a mute point. Primary always trumps secondary if listed as 100%

Since your insurance might not cover the balance you still have on your financed car, GAP insurance protects the balance of your loan in the event of an accident.

Yes. By your contract with the secondary insurance you are required to write-off the discount

the primary wall can still grow with the cell, while once the secondary wall is created the cell can no longer grow. Even after the cell dies, the secondary wall will remain.

Secondary succession is more rapid because there is still soil left for new organisms to grow, as opposed to bare ground in primary succession.

it can be both, because mice eats producers and primary consumer, but still gets eaten.

More than likely, however you will still end up owing a balance on the car and the primary signer and co signer will still be responsible for the balance.

Secondary succesion is the succession that occurs after the initial succession has been disrupted, and some plants and animals still exist. It is usually faster than primary succession.

In general you need a license to get insurance for your car, but if yours has been suspended it is still possible to get insurance by selecting a primary driver, such as your spouse.

It the wife has her husband on her work insurance plan than that is his primary insurance. If he is not covered on her plan then he would need to buy his own insurance. Once he gets on Medicare that would become his primary insurance. If his wife is still working once he gets on Medicare the primary carrier is determined by how many people work for her company. If there are less than 100 employees then Medicare would be primary.

You will need mortgage insurance as long as you still have a balance to pay on your mortgage, so in essence for as long as you have a mortgage.

You still owe the balance after the insurance money is paid, if there is a balance. You can only get rid of it, along with your other unsecured debts, by filing bankruptcy.

Yes, You still owe the balance of any note owed to your Finance Company.

No. The secondary cardholder's credit history has nothing to do with the primary cardholder's. The reason for this is even if there are two cards, there is still only one account for both cards which the primary cardholder is responsible. Jags

No, a primary source is a contemporary account. To write it now creates a secondary source.

Yes, one will pay primary and one will pay secondary. Secondary: a policy that pays the provider's leftover medical bills. Some might still exclude the payment toward bills assigned to meet the primary policy's deductibles or copayments so you have to ask. This happens for instance if a husband or wife covers their spouse on their insurance but he/she also participates in their employer's plan. The spouse's coverage would pay the bills after their own medical plan paid.

The primary coil is the one with voltage applied, or the 'input'. The secondary coil is the one in which a voltage is induced by electromagnetism, or the 'output'. In a step up transformer, the secondary coil voltage is higher than the primary. In a step down transformer, the secondary coil voltage is lower than the primary. In an isolation transformer, the secondary coil voltage is the same as the primary. Here, the point of the transformer isn't to raise or lower voltage, but to keep a particular circuit electrically disconnected from another circuit, while still allowing the circuits to function together (through electromagnetism).

Its possible but unlikely. If one policy is direct pay then both should pay as prime and essentially ignore one another.Clarification:It would be considered insurance fraud to not notify each insurance company of your coverage with the other. Otherwise, you would actually be making a profit from both insurers paying the full amount they would pay if you only had coverage with one company, which is illegal and would result in serious consequences.When a person is covered under two medical insurance policies, one is considered the primary insurer, while the other is considered the secondary insurer. Typically, the primary insurance policy will pay their percentage, then the secondary will pay the balance. But you still have to meet your deductibles for both insurers, as well as paying your co-pay amount.You need to contact both insurance companies to determine which one is your primary coverage, which will be determined by several factors, depending on your status, such as married, dependent, etc.

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