You wait until both claims are received then write off the lesser of the two amounts
Yes. Your doctor is not required to file to your secondary insurance.
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.
Your secondary insurance may not cover a pharmacy copay because it is not viewed as necessary or has not been approved. This is usually associated with premium medications or those which have a preferred drug over the prescribed medication.
Yes
As long as it is a covered expense by your secondary insurance and a claim has been filed with the primarty insurance then the answer is yes. The secondary insurance will only cover the expense according to your plan.
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.
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
Some will. Check with the secondary insurer.
appeal to secondary insurance
Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.
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.
Yes, you can have a secondary beneficiary on your life insurance policy. If the primary beneficiary is no longer living when you pass away, the secondary beneficiary would receive the proceeds from your life insurance policy.