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Due to a process called coordination of benefits (COB), one plan will be designated as your primary plan or primary payer while the other is your secondary plan. Your primary plan processes the insurance claim first and covers the bill up to its coverage limits.
If you have multiple health insurance policies, youll have to pay any applicable premiums and deductibles for both plans. Your secondary insurance wont pay toward your primarys deductible. You may also owe other cost sharing or out-of-pocket costs, such as copayments or coinsurance.
Dual health insurance coverage occurs when an individual is covered under both their own insurance plan and their spouse or partners plan. In this scenario, the individuals own insurance plan is considered the primary payor, while the insurance plan of their spouse or partner serves as the secondary payor.
3. Which of the following documents does the provider or facility need to submit in order to receive reimbursement from an insurance company? The CMS-1500 is the form to be used to enable the provider or medical facility to receive reimbursement directly from a patients insurance company.
Coordination of benefits (COB) allows plans that provide health and/or prescription coverage for a person with Medicare to determine their respective payment responsibilities (i.e., determine which insurance plan has the primary payment responsibility and the extent to which the other plans will contribute when an
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People also ask

While most Americans only have one health insurance plan, known as primary insurance, some individuals will have an additional secondary insurance plan. Having dual coverage is perfectly legalyou just need to coordinate your two benefits correctly to ensure your medical expenses are covered compliantly.

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