Normally patients that come in with 2 insurances should not be charged a copay.
In most cases their secondary policy will pick up the copay left from the primary insurance.
We recommend you bill those particular patients after both insurances process the claim for any remaining copay.
Does secondary insurance pick up primary copay?
If your primary insurance covered some of that, with a deductible and copay, and your secondary doesn’t cover it at all… they won’t pay for that just because it’s “only a copay.” The secondary coverage is usually designed to complement the primary, but there are exceptions.
How does it work if you have two health insurance plans?
Double coverage often means you’re paying for redundant coverage. You must make your claim with your “primary” plan first. The other plan can pick up the tab for anything not covered, but it won’t pay anything toward the primary plan’s deductible. You don’t get to choose which insurer will pay a certain claim.
How does secondary insurance work with copays?
Secondary Insurance Basics
When you’re sick, your primary insurer picks up the brunt of your medical expenses and is usually billed by your care provider. Your doctor then bills you for any additional charges, such as copays or coverage limits, your primary insurer won’t spring for.
What is secondary insurance coverage?
Secondary medical coverage starts paying after any other insurance coverage has paid whatever it will pay. This means that secondary medical coverage will pay the deductibles, co-pays, and additional out-of-pocket expenses up to the policy limit.