I need more details in order to answer this question.
if primary paid more than allowed amount or if patient has primary insurance
The balance gets adjusted.
I have insurance paid for by my employer (primary) and through my husband's employer (secondary). In my experience, I have never had to pay the copay required by my primary because it is covered by my secondary. When I first got married, 2 years ago, I still paid the copay, but the doctor's office would always send me a check for the copay a month later because the secondary paid it.
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
If I'm not mistaken, and I could be wrong, when the secondary insurance allowes more than the primary, the primary contractual adjustment is voided and the contractual obligation of the secondary should be applied. This will cause the balance to be zero when the adjustment of the secondary is the reflecting contractual obligation. That is how I was taught and it does make sense.
Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.
Primary insurance coverage is what is first used when a medical service is being rendered. This is what will be billed first. Secondary insurance is supposed to cover what the primary insurance does not.
Yes
first you should obtain the explanantion of benefits from your primary. it should indicate what the write off amount is. if you're not sure, call the insurance company and ask them. then do the same with your secondary. the secondary insurance will consider the amount allowed by the primary and will usually base their benefits on that. if you are lucky, between the two, you should have little out of pocket expenses.
Is the patient responsible for deductible and coinsurance if primary insurance paid more than secondary would have allowed.
Good question, read the policy. It wouldn't hurt to send both.
Some will. Check with the secondary insurer.