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| *Women health>>>Health Insurance |
Am I allowed to use two different Health insurance policies for visitng the doctor and paying for meds? |
I have two different inssurance policies and I am not covered by one of them for certain meds that I need. However, the other insurance policy I have does cover the med. Now I have used the one that does not cover the med to see the doctor and am not sure if I can now use the other to pay for the med. Any info would be apprecitated. Yes. You usually have to have one company listed as your primary insurance and the other as your secondary. You will file all claims with your primary company first. Anything not covered by them would be filed on your secondary company to help "pick up the slack". If you tell your doctors/pharmacist that you have primary and secondary coverage, and provide copies of your identifications cards, then the doc's office/pharmacy will usually file your claims for you. That just depends of the office/pharmacy. You might have to file claims to your secondary company yourself. Yes you can. Usually one covers part and the other covers the rest. But sometimes there is a primary and a secondary, and they do it weird. Many places will require that you file the claim to the 2nd company yourself because it gets too complex. So from someone who works in the medical insurance world .....having a primary and secondary is very beneficial to you. Not only will your claims be paid, possible in full. You probably have benefits with one inusrance that the other doesn't cover. Same thing with the prescriptions. Not both insurances will cover the same drug. For the most part, most of them will/ Now how it benefits you, you may not have a copay with certian services.... But it's your responsiblilty to let your insurance companies klnow you have other coverage. Otherwise it's a hell of a mess trying to get the claims paid correctly. Now which is primary: the insurance that you have through your employer is your primary.....if you work for two employers, the employer you have been with longer will be your primary. I hope this helps. But for detailed information I would contact the insurance company. Most health insurance policies contain a coordination of benefits clause that allows one policy to pick up what another does not. industry experience yes. file to both plans each time you need to file a claim. Always remember this. For any claims insurance companies need original documents. As long as your hospital is able to produce documents detailing the claims for different coverage then it is OK. Insurers will only accept original copy. Hope you can get the hospital assistance on this |
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