appeal to secondary insurance
Yes, subject to the limits in their policy. No. With most insurance policies, there is what is called a timely filing limitation. For my company; contracted providers have 6 months, and non-contracted providers have 12 months to submit the claim. If your primary insurance received the claim within timely filing, you may have the option of submitting the claim to your secondary with proof that it was filed in a timely manner. If that doesn't work you can always appeal the decision with the secondary or for that matter the primary insurance company. Policy holders are not responsible for claims that deny for timely filing.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
Yes, and you want them to because if they are paid out of order then it will be a mess to correct.
90 days from primary insurance payment/denial date.
Yes, if you are contracted with the secondary payor, PPO contract, HMO contract, etc, you are bound by your contract to bill the plan
It goes on your record and your insurance rates get adjusted.
12 months or one year
You cannot be denied a passport for filing bankruptcy.
Many insurance companies will denial claims for pre-existing conditions. You have a right to appeal all claims. You should call your company first to see why the clam was denied.
It depends if they really and truly are responsible for the denied charges. Meaning if the insurance company denied the claim due to something the PROVIDER didn't do, (timely filing, no auth obtained, etc),the charges would have to written off. Other than that, if the patient refuses to pay, let them know the account will go into collections.
180 days
If you want to be sure your claim gets paid, and not denied, get the death certificate before you send anything to the insurance company. Many times we see death certificates that state causes of death, such as "head trauma...due to intoxication", that are not accurate but will certainly get the claim denied. If you get the death certificate first you can deal with any issues of improper reporting. I work at the Center for Life Insurance Disputes and we help clients collect death benefits.