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The answer to that question depends on a few things.
1. Group insurance policies are always primary over personal or self bought policies...ie You work for ABC company. You have insurance thru them (group policy) and you also pay for an individual or personal policy. Your policy thru ABC would be primary
2. Government insurance (except for medicare) is always 2nd...ie Tricare, medicaid, and etc.
3. An active policy is always primary over a retiree policy. For example John retired from ABC company and has insurance thru them. He currently works for DCE company and has a policy thru them. The DCE policy would be primary and the ABC policy 2ndary
4. If you are retired and have medicare. Then medicare is primary but if you are actively working your group insurance would be primary.
5. When it comes to children the order is 1. Parent who's birth month comes 1st if both parents are born in the same month it goes by the day (the year doesn't play a role in this) 2. If parents are divorce it goes by 1. court order if not applicable goes by who has custody is primary this includes step parents. The step parent who has custody of a child, their insurance is primary.
There are a few other rules when it comes to who is primary...when in doubt contact your insurance company
What else can I help you with?
In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
Will a secondary insurance pay if medicare denies claim as not medical necessity?
If Medicare denies a claim due to lack of medical necessity, secondary insurance may not cover the costs either, as they typically follow Medicare's determination. However, some secondary plans may have different criteria and could potentially pay for services not deemed necessary by Medicare. It's essential to review the specific terms of the secondary insurance policy to understand its coverage. Ultimately, contacting the secondary insurer directly can provide clarity on their payment policies in such situations.
What are three reasons a claim can be returned by insurance companies?
Medical expenses were incurred before insurance coverage, noncovered service deemed not a medical necessity, provider's address, PIN, or group number is missing.
If your liability amount is only 100000 and a person suffers 250000 in claims does the injured persons insurance pay anything?
Depends on several things... if you are in a state that has optional "Uninsured/UNDERINSURED motorist coverage, and they have it... then it could pay. If you are in a No Fault state, then they may have some primary coverage that would also contribute. But for that great of a difference, $100k in insurance and $250k in injuries, the third party could definitely seek remedies from the person who was deemed to be at fault in the accidents. Sue them personally..
What dental insurance covers replacement veneers?
Dental insurance coverage for replacement veneers typically varies by plan. Most standard dental insurance policies classify veneers as a cosmetic procedure, which means they may not cover the costs associated with replacement. However, some plans may offer partial coverage if the veneers are deemed medically necessary due to damage or decay. It's essential to review your specific policy or consult with your insurance provider for detailed coverage information.
Does insurance cover off-label use of medications?
Insurance coverage for off-label use of medications varies depending on the specific insurance plan and the medication in question. Some insurance plans may cover off-label use if it is deemed medically necessary by a healthcare provider, while others may not. It is important to check with your insurance provider to understand their specific policies regarding coverage for off-label use of medications.
Can you be denied coverage for gastric bypass if it is medically necessary?
AnswerIt depends on the terms of the insurance. Read the coverage document to determine if it specifically covers the procedure in question.ANSWERIf it is deemed medically necessary & your insurance co turns you down you have every right to appeal their decision!AnswerIf its an exclusion of the policy then it doesn't matter if its medically necessary or not.
Is electrolysis covered by health insurance?
Electrolysis may or may not be covered by health insurance, depending on the specific policy and the reason for the treatment. Many insurance plans consider electrolysis a cosmetic procedure, which is typically not covered. However, if it is deemed medically necessary, such as for certain medical conditions, some plans may provide partial or full coverage. It's best to check directly with your insurance provider for details on coverage.
How many churches are there in Oxford?
Data gathered from official Statistics Some important notes: - The data for England includes both Maintained (state) and Independent (private) schools - In Scotland, Wales and Northern Ireland, the Independent Schools are counted separately, but the statistics make no distinctions between primary and secondary Independent Schools ---- Data as of January 2006 Primary Schools (includes Middle Schools as deemed): 17,504 Secondary Schools (includes Middle Schools as deemed): 3,367 Data as of 2005 Primary Schools: 2,194 Secondary Schools: 385 Independent Schools: 152 Data as of 2004/2005 Primary Schools: 1,572 Secondary Schools: 227 Independent Schools: 58 Data as of 2005/2006 Primary Schools: 886 Secondary (non grammar) Schools: 161 Grammar Schools: 69 Independent Schools: 19
Will humana pay for portable oxygen?
Humana may cover the cost of portable oxygen if it is deemed medically necessary by a doctor. Coverage will depend on the specific details of your insurance plan, so it's best to contact Humana directly to find out about your coverage options for portable oxygen.
Can State Farm cover salvage titled vehicles?
State Farm typically does not provide coverage for salvage titled vehicles, as these vehicles have been deemed a total loss by an insurance company and may pose higher risks. However, coverage can vary based on individual circumstances and state regulations. It’s best to directly contact State Farm or an insurance agent to discuss specific options and any potential coverage for salvage vehicles.
What does retro active date mean in an insurance policy?
The retroactive date is the date from which coverage is deemed valid. Retro active dates are most common in professional lines ( claims Made ) policies and indicate the beginning coverage date from which there has been no lapse. You will not find a retroactive date on an occurrence policy
