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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.
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 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
Your secondary is HMO which gives you no deductible to meet why do you have to use your primary where you have a 500 deductible?
When you have both primary and secondary insurance, the primary plan typically pays first, regardless of the deductible. This means that any covered medical expenses will first be billed to the primary insurance, which may require you to meet a deductible before it pays. Once the primary insurance has processed the claim, the secondary HMO can then cover additional costs, often without a deductible. This coordination ensures that the primary plan pays for its share before the secondary kicks in.
What does PCY on health insurance coinsurance mean?
PCY likely stands for "Primary Care Physician" in the context of health insurance coinsurance. This typically refers to the percentage of costs you are responsible for paying for services provided by your primary care physician after meeting your 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.
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
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.
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.
