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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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Does secondary insurance cover or pay copays of primary insurance?
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
You have Medicare as primary insurance and BCBS as secondary insurance Do you pay the copay on the secondary insurance?
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.
You need information on how copays effect primary and secondary insurance If you pay your copay on primary does that off set your copay on secondary and would secondary pay remaining portion of bill?
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?
If both spouses have health insurance which one is primary and which is secondary?
It depends. If there are just the two of you, you are 'primary' on your own policy, and your spouse is primary on his/her own policy. By default you would be 'secondary' on your spouse's policy. If the two of you have kids, you can elect either of the parents' insurance carriers to be primary, but you must do this officially, by filing the proper records with the carrier who you want to be primary. Typically, you need to decide which policy will be primary for the kids each year, as you will need to add the kids to one of your policies. You make this choice by reviewing both policies' coverages, copays and costs. The other policy, by default, then becomes secondary. If you just had a child, you should call your human resources department and/or health insurance company to work out the details and get the child properly insured.
What is Supplemental Medical Insurance?
Supplemental Medical Insurance is in addition to your primary insurance. It is used to help cover the cost of copays, deductibles, and co-insurance. The most common time of SMI is Medicare Supplement Plan. It helps to cover what the medicare plan doesn't. If a person were to have Medicare Part A & B and also and AARP Supplement plan, it covers their copays for benefits and helps with covering costs of prescriptions.
What does Medicare c plus cover?
Medicare C (Medicare Advantage or Medigap) is private insurance that you choose and pay for, to cover expenses not covered by Medicare A & B, such as copays, deductibles etc.
You have insurance with your company but your husband has you on his insurance as well and you would like to have your insurance cancel with your job?
No you do not have to cancel either insurance.. You are what we call in the industry "dually covered". That means that your secondary(husbands) insurance will pay all or most of your copays ( for prescriptions and office visits) and most of your deductible ( if you have one)... Therefore, make sure that all your providers accept both insurances and you are all set to go!!!! If you are wondering if you can cancel your insurance with your job, you will have to call your group administrator to find out because there are special times during the year that you have to make any changes to the policy.. such as cancelling coverage, adding a new baby or removing an ex spouse.
What is co-pay in health insurance?
In health insurance a copay (copayment) is a fixed amount you pay for covered services, typically when you get the service. e.g So if your policy says, 10% Copay and your claim amount is Rs.1,000/- you will have to pay Rs. 100 and the balance Rs. 900 will be paid by the Insurance Company. Generally, The co pay clause is found in health insurance plan. Each plan treats copays differently, so it's important to understand if your plan offers copays, what services they offer them for, and how many of one service you can get at that copay per policy period.
What features should be considered when comparing insurance companies?
Summary of Benefits and Coverage, copays, deductibles, and interest rates should be compared when considering an insurance company.
Do i have to pay medical and dental copays in new york state?
Many of us do, but it depends on your health insurance contract, not on state law.
What are the benefits of Atena health insurance?
Aetna Health Insurance offers the benefits of medical health insurance for coverage of almost every medical condition. It also offers discount prescriptions and low copays depending on your plan.
Do co-pays count toward health plan deductibles?
It depends on the insurance policy. For most plans, copays do not count towards the deductible.
