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Q: When primary insurance deductible is higher than secondary insurance deductible can you collect the higher deductible and bill the patient?
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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.


How is deductible met?

When the insured/beneficiary (patient) pays the total deductible amount out of his own pocket. A deductible is the amount for which the patient is financially responsible before an insurance policy provides payment.


Does a provider have to bill secondary insurance even if the patient prefers to pay out of pocket?

If the provider is out of network or not contracted with the secondary insurance, they do no have to bill the secondary and the patient is responsible for the balance (if any) owing


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.


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.


When is it appropriate to file a patient's secondary insurance claim?

nome


If a patient refusedto pay their deductible can the insurance company drop their coverage?

AnswerNo, the deductible is owed to the doctor or hospital. The insurance company doesn't care if you pay it or not. In most cases we'll have no idea whether or not you paid.


If a patient has Medicaid coverage benefits and other health insurance coverage Medicaid would be primary or secondary?

Secondary.


When will secondary health insurance not pay?

if primary paid more than allowed amount or if patient has primary insurance


IF Patient primary insurance denied claim because provider is not contracted with them will secondary insurance pay on the claim?

yes


When a primary insurance pays more than the secondary allowable is the remaining balance the patient's responsibility?

Yes it is patient responsibility


Does co-insurance refers to a fixed fee that must be paid by the patient at time of office visit?

No; this is a copayment (or "copay"). A co-insurance is a percentage that the insured is responsible for after meeting their deductible.