Do you need to send a claim to your primary insurance company first if they do not cover the treatment but your secondary insurance will?
If you have a copay with your primary insurance but also have secondary insurance do you have to pay the copay before treatment?
%DETAILS% 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 reach…ed 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.
Answer . \nAs long as it is a covered expense by your secondary insurance and a claim has been filed with the primarty insurance then the answer is yes. The secondary insu…rance will only cover the expense according to your plan.
Is it possible for an insurance company to deny your claim because you have a primary and they can not be a secondary?
Answer . \nConference the 2 claims reps together and let them Duke it out!
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 remain…ing 20% co-insurance and your co-pay, if you have one.
The secondary insurance cover both pays and co-pays of the primaryinsurance depending with the insurance company.
Medical Insurance Answer . What does the brochure or policy Evidence of Coverage for the secondary policy say?
Can the secondary insurance provider deny a claim that was not filed with the primary insurance provider first?
\n. \n Answer \n. \nLet me tell you what happend to me. I hope that this helps. I used to be covered by two insurance companies. My primary insurance company was throug…h the company that I worked with. My secondary was with the company that my husband works with. When a claim was filed with my secondary insurance company they wanted to know how much my primary insurance company paid for and until then they would not pay anything. So I had to submit to my primary insurance company and once they paid some then the secondary would. I hope that this helped:)\n. \n . \n Yes.\n. \nA claim must always be made with the primary insurer first.
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 rat…es 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.
You have had payments for claims recouped because the insurance company was secondary the primary insurance company is denying the claims recouped due to timely filing Is there anything you can do?
If your health insurance is thru your employer, have them contact their account rep. These issuse can be magicaly resolved when it is time to renew the company policy, if the …rep is informed thast the company will seek another provider should it not be taken care of.
Some insurance policies will pay for depression treatments. You need to get your policy out and look through it. If you can't find it, either call your insurance agent or make… an appointment to speak to your benefits coordinator. Many policies will pay for a certain amount of psychiatric treatment, but have a "cut off" point. I personally do not file my group therapy on my insurance for this reason - I save up the money and pay cash, and let my insurance pay for the higher priced psychiatric visits instead.
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 allows higher fees than the primary insurance. This assumes that each spouse is named as a dependent on each other's policy. Ask the insurance coordinator at your dental office to what benefits are available between the two policies.
Yes they should
yes, they will treat it as if the primary was a different company. You pay two premiums. If they do not, contact the DOI.
After you have received the Explanation Of Benefits (EOB) from your primary carrier if there is coordination of benefits. If the secondary insurance is an indemnity you do not… need to wait.
It is usually written in an insurance policy if the policy is primary or secondary. If both policies have language that makes them secondary if other insurance is present then… they may split the amount owed. State laws may change this.