My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay?
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1 :
Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. Check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
2 :
I think it can vary from state to state and by country. Auto insurance is not really health insurance. It depends on your medical health insurance policy. On that $1000 bill, if medical health insu. has a $500 deductable then I believe the deductable still needs to be met so medical health insu. would probably pay nothing of the remaining $200. This is a question for your friend's member services or coordination of benefits (COB)dept. with the COB dept being the preferred staff to talk to. If your friend calls, she should not refer to her auto insurer as health insurance. She needs to refer to it as auto. Otherwise the COB staff might think she has two regular insurance policies which has a different set of secondary coverage rules which could delay payments until the COB staff investigates. Be careful trying to do a fund raiser to pay for the medical bills. Law enforcement checks those out in some areas of the US and will press fraud? or something similiar if there are no medical bills or an exagerated amount of bills to try to get more money at the fund raiser.
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