RE: Primary insurance
What if the patient has two insurance like for example GHI and Horizon BCBS, how do we determine the primary insurance and secondary insurance?
Posted on 08/19/2008 | Report Spam or Abuse
RE: Primary Insurance or Secondary insurance?
How do we determine whether a patient's insurance is primary insurance or secondary insurance?
Posted on 08/18/2008 | Report Spam or Abuse
RE: Primary Insurance When Employed Full Time After Age 65
Once a person retires, Medicare becomes the primary carrier and another insurance becomes the secondary carrier. This is true unless the person or their spouse is still employed and has insurance coverage, in which case all claims are run through the employer's carrier first and then Medicare second. However, in this second case, if the person goes to Medicare approved providers, they will never owe more than they would have if they were insured by Medicare alone.
Places often get charges mixed up, so be vigilant when you receive the Explanation of Benefits to make sure you were billed the correct amounts. Primary carriers often pay more than Medicare allows, so any balance will should written off rather than billed to you. Keep track of what is printed on all statements, and don't be afraid to call both insurance companies along with the physician's billing office--I've been told by more than one doctor's office that I owe money when it was supposed to have been processed differently, paid differently, and I actually had no balance.
I've also been told by several doctor's offices incorrect information, but knew better -- I was an insurance clerk for 16 years and worked with Medicare. It may take a while to get through to Medicare, but that time has a price and can save you BIG money.
Posted on 02/16/2008 | Report Spam or Abuse
RE: Primary Insurance When Employed Full Time After Age 65
My question about the insurance subject, "Is it true that B/C-B/S makes you pay the SAME amount as you did before Medicare kicks in and you then you still have to pay full price for Medicare too? Will turn 65 in about 11 months.
Thanks,
Shirley
Posted on 02/16/2008 | Report Spam or Abuse
RE: Primary Insurance When Employed Full Time After Age 65
Medicare is ALWAYS secondary UNLESS the policy is a medgap policy. In that case Medicare is the primary and the medgap policy is the secondary. The lady that said her Blue Cross was secondary apparently her Blue Cross policy is a medgap policy.
Posted on 02/15/2008 | Report Spam or Abuse
RE: Primary Insurance When Employed Full Time After Age 65
Most likely as BS will through his employer, it will be primary. As a matter of fact, Medicare searches for this info to determine if they or the employers ins is primary. He should have received a questionaire from Medicare, asking this very thing. When in doubt, call Medicare or go to your SS office. Has he yet signed up for Medicare? A Medicare Advantage Program (Medicare Part C) will not sign you up if you have ins through an employer, if you are still working. Always check right with the source...both Medicare & the employers ins....they both want to make sure which is primary. Save the headache later of having bounced claims and doctors asking for payments because of rejections.
Posted on 02/15/2008 | Report Spam or Abuse
RE: Primary Insurance When Employed Full Time After Age 65
Medicare will be the primary carrier and Blue Cross will be second. I am over 65 and have had Medicare for several years, along with a secondary carrier. Tell your husband Happy Birthday for me and God bless you.
Posted on 02/15/2008 | Report Spam or Abuse
RE: Primary Insurance When Employed Full Time After Age 65
Your best bet would be to call medicare and ask them and then call Blue Cross and ask them. We have Kaiser ins. and my husband has a Sr. Advantage plan that is funded by medicare. We pay some to medicare (about $98.) and some to Kaiser (not much more than that I think)and when he has a problem (such as a recent ER visit) thay had to bill Kaiser. Not doing a good job of explaining here but we finally called both and found out that if it is a SENIOR plan of some kind they (your ins, co.) are responsible.
Posted on 02/14/2008 | Report Spam or Abuse
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