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Is primary insurance copays covered under secondary insurance?

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2009-03-21 00:13:29
2009-03-21 00:13:29

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.

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The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.

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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?

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Many of us do, but it depends on your health insurance contract, not on state law.

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It depends on the insurance policy. For most plans, copays do not count towards the deductible.

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AnswerAssuming it was in benefit etc. the allowed amount would be around $5k. The insurance would pay everything after applicable copays, deductibles, and your portion of the coinsurance.

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This is depending on your company on what your dental insurance plan copay would be. The range for copays for dental ranges from 0-30 dollars.

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It depends, but the terms are NOT interchangeable. The guarantor is the person or entity financially responsible for the bill. The subscriber is the person who carries the insurance. Example of when they are the same person: An adult carries their own insurance policy (subscriber). They are also financially responsible to pay the charges they incur for the doctor's visit (guarantor). Charges include non-covered services or share of cost such the deductible, copay, or co-insurance. Example of when they are a different person: Adult 1 (father) carries a family insurance policy (subscriber). Adult 2 (son, a college student) is covered under Adult 1's policy. Adult 2 is responsible for their share of cost (such as copays and coinsurance or anything that isn't covered under the insurance policy).

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all depends on the blue cross plan you have. A lot I come by through my job as an insurance biller the secondary will pick up any copays that medicare wouldn't cover. But there is some plans that won't pay if medicare doesn't pay. So, really, yea, your secondary should pick up some cost. Unless it is just co-pays, they have the choice to make that your responsibility as a member. Do take the time to figure it out, a lot of times if you don't fight your own claims, you pay much more than you need to. Always keep and look at your explanation of benefits that you should receive from the insurances after each visit explaining what they paid and what they denied and what you owe. Anything that is not listed in the "Allowable Amount" column, you are not responsible for. Especially if the place you attended is participating with that insurance. A lot of companies try to collect for money that was denied by the insurance, but they(the insurance) states you are not responsible for.

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There are some supplemental insurances that will cover incidents that come up. You use the money as you see fit. Usually though, you are really saving money by taking an insurance that has a higher deductible/copay since the premiums are lower. We are so used to an all-encompassing insurance plan, but those are going by the wayside in the current (2010) market. Also, if you contribute to a health savings plan, that money is pre-tax and is cheaper to use for copays.

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Consumers can find various types of coverage from Blue Cross Blue Shield. They offer standard and basic packages that deliver different copays and monthly fees.

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To best decide which insurance company offers the cheapest rate it would be best to go to an insurance comparison site like essurance.com. You put in your information and insurance prefences, like deductibles and copays, then they will give you multiple insurance quotes from different companies to choose from. This would allow you to choose the cheapest insurance premiums and shop around without having to enter your information multiple times. They represent well known companies and some that aren't as well known to give you a greater variety of quotes.

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Yes. You still have your normal deductibles and copays.


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