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appeal to secondary insurance

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Q: What do you do if your doctor does not submit to your secondary insurance and now its denied for timely filing?
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With Primary and Secondary Insurance your primary denied your claim because it was over a year is your secondary obligated to pay?

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.


What if you are driving someone else's car and you get in an accident that is your fault?

Their insurance would be primary and your insurance would be considered secondary when filing a claim.


Does the provider have to file primary insurance before filing secondary insurance?

Yes, and you want them to because if they are paid out of order then it will be a mess to correct.


What is timely filing limit for united healthcare secondary claims?

90 days from primary insurance payment/denial date.


Our practice is considering not filing secondary insurance claims. Are there consequences to the practice?

Yes, if you are contracted with the secondary payor, PPO contract, HMO contract, etc, you are bound by your contract to bill the plan


How does filing an accident report affect your driving record and insurance if you are not filing an insurance claim?

It goes on your record and your insurance rates get adjusted.


What is timely filing for Medicaid denied claims?

12 months or one year


If you file a chapter seven can you still get a passport?

You cannot be denied a passport for filing bankruptcy.


Filing claim pre existing conditions for appeal?

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.


What steps should you take to get an irate patient to pay a denied claim?

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.


What is the filing limit for viva insurance?

180 days


When filing a life insurance claim should documents be received from the insurance company before sending the death certificate?

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.