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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

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โˆ™ 2004-12-02 08:38:36
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Q: Will secondary insurance pay the co-insurance amount of primary insurance if you have met the deductible in secondary insurance?
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If Primary insurance paid more thatsecondary would allow. Is patient responsible for deductible and coinsurance?

Is the patient responsible for deductible and coinsurance if primary insurance paid more than secondary would have allowed.


Will secondary insurance pay the co insurance amount of primary insurance if you have met the deductible in secondary insurance?

Yes


Will secondary private insurance pay deductible from the primary insurance?

Some will. Check with the secondary insurer.


If you have a 900.00 deductible on your primary insurance and none on the secondary insurance can the secondary be used to cover the deductible?

Yes. For more info. see www.SteveShorr.com/supplemental.htm


Do you have to pay the medicare deductible if they are paying secondary to a primary insurance carrier?

Every covered life, whether utilizing Medicare as primary or secondary insurance is subject to the same, annual Medicare deductible.


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.


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% of your remaining balance.


What does coinsurance mean in medical insurance's?

It's secondary or tertiary insurance that is held to cover any medical expenses the primary insurance policy does not cover or does not cover completely.


Is primary insurance copays covered under secondary insurance?

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.


What is the difference between copay and coinsurance when you have primary and secondary insurance?

A copay is a "set" dollar amount you pay at the time of treatment. For instance, a $35 doctor copay. If you have level one doctor visits, you pay nothing more than the $35 doctor copay. Co-insurance is the percentage you share with the insurance company after your deductible has been met. When you have two policies - your primary insurance will pay first (subject to deductible and co-insurance), and then your second policy starts with the balance left from the primary policy (subject to deductible and co-insurance again). For instance a primary policy with a 5,000 deductible and 80/20 co-insurance of $5000. Your bill for surgery is 6000. You pay 5,000 + 20% of $5000 (1000) = $6000.00 Your balance of your surgery bill is 0


If secondary agreed upon insurance is lower than the primary insurance agreed upon price which one can the provider bill the paitent?

Primary has to process and pay claims first then secondary will process and pay leftover expenses according to their policy provisions. The secondary sometimes excludes payment towards a primary policy deductible.


Does medicare as the secondary insurer pay for the deductible of the primary helath plan?

No. If you have a deductible with your primary carrier, you will have to pay the deductible first before Medicare will pay anything.


What is the definition of primary coverage in regard to medical insurance?

Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.


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.


What happens when one is covered by two insurance plans?

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 other is the secondary insurance for the patient. Primary insurance will pay up to 80% of allowed charges if the deductible is met, and the secondary insurance will pay the remaining 20% of the claim, again, if the deductible for the year has been met.


Does secondary private insurance pay what primary private insurance will not pay?

Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.


What is meant by primary and secondary insurance coverage?

Primary insurance coverage is what is first used when a medical service is being rendered. This is what will be billed first. Secondary insurance is supposed to cover what the primary insurance does not.


Can you be on Medicaid and have secondary insurance?

Yes, you can. The other insurance would be primary though and the Medicaid secondary.


Which of types of beneficiaries in an insurance policy?

primary and secondary


How do you get medicare as your primary insurance if you have horizons select as your primary you want to change?

You cannot decide which insurance is primary and which is secondary. Their is nothing you can do to determine this. Within each policy it specifies when each policy is primary or secondary. With Medicare, it is always going to be secondary to insurance provided by an employer or retirement plan.


If you have the same insurance for your primary and secondary can you still end up with a balance you owe?

Having the same insurance company twice, as a primary and secondary, means you are paying twice for the same insurance policy. They probably will not cover the same thing twice, or they may treat it as two different policies and may treat it that way. If they were two different policies, The primary would deal with any deductible and copay before fulfilling its contractual obligation and so would the secondary policy depending on the wording of the contract. Unless there is no deductible and copay, or if one policy covers the deductible/copy of the other, there will still be a balance you owe. There is also the situation where your medical provider will not accept or fully participate in your insurance policy, in which case you may owe the difference between the doctors bling amount and what was paid by the insurance(s).


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.


Is medicaid always a primary insurance or would it be a secondary insurance?

depends


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.


If the father is primary based on birthday and the mother is secondary is it legal for the mother to use her insurance as primary by not telling the provider about the father's insurance?

No, it's fraudulant. It's not practical, the secondary insurance should pay the remainder of the cost the primary insurance doesn't cover.

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