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.