When will secondary health insurance not pay?
if primary paid more than allowed amount or if patient has primary insurance
No. You will have to use your health insurance first.
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… Read More
Not necessarily; a secondary insurance policy or plan might only provide additional benefits up to the maximum that it will pay for a specified service. If both plans have rates that are similar, this might result in a small additional payment. Some secondary insurance or health plans might pay up to their maximum -- in addition to what the primary pays, which would result in a higher payment against a claim.
Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.
== == If secondary insurance denies coverage, YOU get to pay the bill. == ==
Some will. Check with the secondary insurer.
If the primary insurance allows more than the secondary insurance what would the secondary insurance pay?
Secondary insurance will not pay the claim but the remaining charges should not be billed to the member/patient. Provider of service should write off the patient responsibility that primary insurance applied.
They pay premiums for their health insurance, as do other Federal Employees.
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
No - a employer does not have to pay health insurance.
Different states and policies can have different benefits and coverages. Health insurance will cover medical costs related to an auto accident but in most states they are secondary to automobile insurance. This means that the auto insurance will be responsible for payment first and health insurance will pay after that. If the health insurance company goes ahead and pays the claim or at least the first few bills then you receive payment of file for… Read More
The true benefit of employee health insurance is that you usually do not have to pay for the insurance. But, if you do have to pay, it is only a small percentage.
Will a secondary insurance pay a portion or all of a prescription that a primary insurance will only pay part of because they will only pay for a lower dosage?
In most cases a secondary insurance would compensate coverage were the primary insurance does not. Exceptions apply to the prescription drug type and coverage limitations.
Ask your Health Insurance Provider
Can an auto insurance carrier designate their med payments coverage secondary to any other health insurance in CA as a result of an auto loss?
This is sticky, not sure what you mean by 'designate' secondary. Assume you are saying your health insurance has to pay first and med pay picks up what's left? Yes, in some states that is the practice/allowed. Some states allow ''double dipping'' meaning you can collect from both. Contact the Dept. of Insurance for your state, (should be an 800 number) they will be able to tell you. Also look in your policy it will… Read More
Health insurance will not pay for this type of procedure. The procedure is elective and therefore it will not be covered by health insurance. I know some people who have had it and they always had to pay for it themselves.
Yes the employer can pay the health insurance but is not required to by law. He is encouraged to for bettering the employees benefits.
People pay health insurance to fight against skyrocketting medical expenses and medicine cost.
Are health care providers obligated to accept payment from a secondary insurance with whom they participate when the provider does not participate with the patient's primary insurance?
Yes they will have to accept payment from the secondary insurance, however they will have to bill the primary provider first. What ever the primary insurance does not cover should be covered by the secondary insurance. However, it will depend on the service being provided and the contracted amount that each insurance has agreed to pay. If the primary pays more than the secondary would have paid -there may be a refund due. However, there… Read More
As with anything regarding health insurance, it depends. Generally speaking, in an auto accident the question about medical benefits is secondary to providing the best care for the accident victim. After the emergency has passed is the time for figuring out who pays for the medical expenses. Often health insurance is asked to pay first. However, health insurance companies have a program called "subrogation" that seeks to ensure that the responsible party pays for their… Read More
If you are identified as an American Indian or Alaskan Native, then you will more than likely seek healthcare services via the Indian Health Service (IHS) which is an agency within the HHS (Department of Health and Human Services). You can have private health insurance, but I believe that the IHS will always be considered/filed primary and then the other insurance secondary if there is a remaining balance. http://www.ihs.gov/index.cfm
No. You auto insurance has to pay first before the health insurance will begin to pay. Usually they want a letter from your auto insurance carrier to prove that all medical payments coverage on your auto insurance has been exhausted.
If you have a copay with your primary insurance but also have secondary insurance do you have to pay the copay before treatment?
Depends on the doctors office billing procedures. For more details visit www.SteveShorr.com yes, your secondary insurance should cover this amount if you have reached your deductible with them. Normally, if the primary insurance applies a deductible or co-insurance/co-pay and you have not met your deductible on your secondary policy, depending on your policy they may apply the remaining balance to your deductible. Normally after the deductible is met on the secondary ins. they pay 100%… Read More
If the provider is out of network or not contracted with the secondary insurance, they do no have to bill the secondary and the patient is responsible for the balance (if any) owing
Cosmetic procedures which are not medically necessary are not covered by health insurance.
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… Read More
When you have a primary and secondary insurance will the co-pay from your primary insurance be paid by the secondary insurance?
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.
Typically no. It is an elective procedural (likely) that was not covered under insurance, and as such they do not pay for complications that arise from them. This may not be true in the case where the augmentation was secondary to mastectomy. There may be a warranty on the implant itself.
yes they do have to pay health insurances
If the secondary insurance has a higher allowed amount than the primary insurance is the secondary required to pay the higher amount?
I need more details in order to answer this question.
Yes, you can get individual health insurance but you may have to pay more for it.
If a husband and wife both have dental insurance through their employers, the employee's insurance is primary when the employee is the patient, and it must pay it's benefits. The spouse's insurance is secondary, and will only pay once the primary insurance has paid. Depending on how the policy is written, sometimes the secondary insurance will pay any residual fees up to the annual maximum. Sometimes the secondary insurance only pays if their fee schedule… Read More
yes, they will treat it as if the primary was a different company. You pay two premiums. If they do not, contact the DOI.
Will secondary insurance pay the co-insurance amount of primary insurance if you have met the deductible in secondary insurance?
You're going to have to look at your policy or brochure to see what the provisions are. For more details see www.steveshorr.com/supplemental.htm
If your primary insurance denies a claim for failure to have a referal will your secondary insurance pay the claim?
Read your policy
Can you have the same primary name on two health plans Not primary and secondary insurance coverage?
vehemately you can .but of your own disadvantage because you will be required to pay pramuim to different insurance company but will only be compaseted the actual amounth you need so doing that will be of no value
If you want to use it, of course. But you are never required to submit health insurance to anyone.
Yes. All people will be forced to pay for health insurance.
A private health insurance plan is one that you pay for yourself and covers you and your family. It is possible to have health insurance through your employer and private insurance at the same time.
If one had hip problems, one would need to pay for health hip insurance in European countries. The European Health Insurance Card made it easier for people with this need to pay for the procedure.
The premiums you pay for your health insurance are qulified medical expenses. Source: IRS.Gov
The "Obamacare" Act, as far as I can decipher (I'm not a politician or professor so to some extent this is my opinion) gives a government option to healthcare. Essentially the government becomes your health insurance. Just like Medicare/Medicaid pay for benefits, so would the new government health insurance. Furthermore there would be a universal mandate to get health insurance. That means that you have to have health insurance, just like you have to have… Read More
That is if the secondary does not have a clause in it that "they will not duplicate benefits" If so they will not always pay the difference. They will figure out the amount they would normally pay, subtract what the primary pays from that amount and pay the difference (which with mine is little to nothing and I end up paying the balance of the bill) Nothing really happens, one is the primary and the… Read More
Living in a country beside Canada is where you pay for health care.
You could have two insurance companies pay the same medical bill or claim for a date of service through a process of subrogation where the first insurance company determined by the effective date of coverage will pay their portion of the bill and the second insurance company will pay the balance. This process is called coordination of benefits. Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are… Read More
Why not? You just have to pay for it.
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.
The primary /secondary payer is usually the insurance plan covering the claim
Some might say...symantics. But as a supplemental insurance agent, what it means to me is: Secondary = a policy that typically pays the provider's remaining medical bills that a primary insurance policy did not pay. Sometimes a secondary policy will pay 100% of the leftover medical bills and sometimes it will only pay for the coinsurance portion and not the deductible (for example). This happens often when a husband & wife both take their employer's… Read More
How long does the secondary insurance carrier have to pay a bill once the explanation of benefits is received from the primary carrier?
Normally, the health care provider will collect primary and secondary insurance information from the patient at the time of treatment. The provider will bill both insurers, and the primary insurer will pay its share. Both insurers are subject to the "prompt pay law" of the State in question, and payment by the respective companies of their shares must be made within that period. Otherwise, there is at least a technical violation of the State's Insurance… Read More