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.
appeal to secondary insurance
If you want to use it, of course. But you are never required to submit health insurance to anyone.
Let 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 through 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:) * Yes. A claim must always be made with the primary insurer first.
It is up to the driver to subit the auto accident claim. You should submit the claim as soon as possible after the accident.
Yes that is how it works. The mechanic may also submit info to them once he sees the car.
Yes, subject to the limits in their policy. No. With most insurance policies, there is what is called a timely filing limitation. For my company; contracted providers have 6 months, and non-contracted providers have 12 months to submit the claim. If your primary insurance received the claim within timely filing, you may have the option of submitting the claim to your secondary with proof that it was filed in a timely manner. If that doesn't work you can always appeal the decision with the secondary or for that matter the primary insurance company. Policy holders are not responsible for claims that deny for timely filing.
If you both have coverage the wife's policy will be primary, and the husband's will be secondary - provided the wife is covered under the husband's policy. Submit the unpaid claims to the secondary carrier.
A direct payment. Claim Submission. The Physician office will submit a "claim" to the insurance company in order to be paid for the services rendered.
If you know who the company and/or agent is, you can submit a claim to them as a claimant against the other person's insurance.
You'd probably better or you'll never get reimbursed.
1 year
At the clinic I work at, we have patients sign a release once a year allowing us to submit claims to their insurance company for the year. It doesn't specify which insurance company though. I would check with your clinic to see if you have signed something of the sort. And if not then it probably is illegal for your clinic to submit a claim without your permission.