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Old 02-10-2010, 01:12 AM   #1
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Primary and Secondary Insurance

What is exact meaning of Primary and Secondary Insurance.
Does co-pay is responsibility of Primary Insurance?
Does Primary Insurance can pay in the form of co-pay only?
Does Payment done after claim sent will be by secondary insurance only or Primary insurance can also pay after claim sent?

 
Old 02-10-2010, 01:01 PM   #2
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Re: Primary and Secondary Insurance

Primary insurance gets billed first. It takes the bulk of the claim. The primary insurance will pay the co-pay, to a particular extent depending on your plan.
The secondary insurance is supposed to pay the portion (if any) that the primary ins does not cover.

For example: you have Medicare primary and Blue Cross secondary.
Medicare pays 80 percent of services. Blue cross would pay the remaining 20 percent.

The medical facility where the services were performed bills the primary first. When the claim comes back with a balance remaining, they bill that to the secondary.

Secondary insurance is like a safety net, in case the primary insurance's benefits don't cover it all. Thats it in a nutshell.

 
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Old 02-11-2010, 12:35 AM   #3
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Re: Primary and Secondary Insurance

Quote:
Originally Posted by River rocks View Post
Primary insurance gets billed first. It takes the bulk of the claim. The primary insurance will pay the co-pay, to a particular extent depending on your plan.
The secondary insurance is supposed to pay the portion (if any) that the primary ins does not cover.

For example: you have Medicare primary and Blue Cross secondary.
Medicare pays 80 percent of services. Blue cross would pay the remaining 20 percent.

The medical facility where the services were performed bills the primary first. When the claim comes back with a balance remaining, they bill that to the secondary.

Secondary insurance is like a safety net, in case the primary insurance's benefits don't cover it all. Thats it in a nutshell.

Thanks River for your sudden response.It clears all my doubt about primary and secondary insurance

 
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