Which insurance is primary & how do I straighten this out

[Sevenstars]

Oh, weird.. I had no idea about the number of employees thing. I always assumed the good insurance was primary, and the shitty one was secondary, haha. (Like my state insurance)

Thanks for clearing that up.. I hope you can get your meds soon Kelli! See if you have a caseworker at either insurance place, they are usually the ones that will give you straight answers and get things done. Just keep asking to talk to someone higher up, and eventually you'll get answers. This also comes in handy when one of your meds is denied and you need someone to call to bi*** at. <img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[Sevenstars]

Oh, weird.. I had no idea about the number of employees thing. I always assumed the good insurance was primary, and the shitty one was secondary, haha. (Like my state insurance)

Thanks for clearing that up.. I hope you can get your meds soon Kelli! See if you have a caseworker at either insurance place, they are usually the ones that will give you straight answers and get things done. Just keep asking to talk to someone higher up, and eventually you'll get answers. This also comes in handy when one of your meds is denied and you need someone to call to bi*** at. <img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[Sevenstars]

Oh, weird.. I had no idea about the number of employees thing. I always assumed the good insurance was primary, and the shitty one was secondary, haha. (Like my state insurance)

Thanks for clearing that up.. I hope you can get your meds soon Kelli! See if you have a caseworker at either insurance place, they are usually the ones that will give you straight answers and get things done. Just keep asking to talk to someone higher up, and eventually you'll get answers. This also comes in handy when one of your meds is denied and you need someone to call to bi*** at. <img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[Sevenstars]

Oh, weird.. I had no idea about the number of employees thing. I always assumed the good insurance was primary, and the shitty one was secondary, haha. (Like my state insurance)

Thanks for clearing that up.. I hope you can get your meds soon Kelli! See if you have a caseworker at either insurance place, they are usually the ones that will give you straight answers and get things done. Just keep asking to talk to someone higher up, and eventually you'll get answers. This also comes in handy when one of your meds is denied and you need someone to call to bi*** at. <img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[Sevenstars]

Oh, weird.. I had no idea about the number of employees thing. I always assumed the good insurance was primary, and the shitty one was secondary, haha. (Like my state insurance)
<br />
<br />Thanks for clearing that up.. I hope you can get your meds soon Kelli! See if you have a caseworker at either insurance place, they are usually the ones that will give you straight answers and get things done. Just keep asking to talk to someone higher up, and eventually you'll get answers. This also comes in handy when one of your meds is denied and you need someone to call to bi*** at. <img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[babycakes]

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.

 

[babycakes]

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.

 

[babycakes]

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.

 

[babycakes]

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.

 

[babycakes]

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.

 

[BigBee]

<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>babycakes</b></i>

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.</end quote></div>

Medicare rules are different than private insurances when it comes to determining which is primary/secondary.

Typically, if spouses are covered on both their own and their spouse's private insurance (offered through employers)- their own is first and spouse's is secondary. So dual covered spouses will most often have the opposite primary and secondary insurances.

Regarding dependent children - if covered under both parent's private insurance - the insurance of the parent who has the earliest bday (in a calendar year - not year of birth) is primary and the insurance of the parent whose bday is later in the year is secondary.


There was a very good explanation of Medicare primary vs secondary above. However, calling your insurance companies and asking them who is primary will often lead to bad information and also to frustration <img src="i/expressions/face-icon-small-smile.gif" border="0">.

In our state (WI) and I believe, most others, Title 19 (Medicaid) is ALWAYS the health insurer of last resort.

Hope this helps.

 

[BigBee]

<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>babycakes</b></i>

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.</end quote></div>

Medicare rules are different than private insurances when it comes to determining which is primary/secondary.

Typically, if spouses are covered on both their own and their spouse's private insurance (offered through employers)- their own is first and spouse's is secondary. So dual covered spouses will most often have the opposite primary and secondary insurances.

Regarding dependent children - if covered under both parent's private insurance - the insurance of the parent who has the earliest bday (in a calendar year - not year of birth) is primary and the insurance of the parent whose bday is later in the year is secondary.


There was a very good explanation of Medicare primary vs secondary above. However, calling your insurance companies and asking them who is primary will often lead to bad information and also to frustration <img src="i/expressions/face-icon-small-smile.gif" border="0">.

In our state (WI) and I believe, most others, Title 19 (Medicaid) is ALWAYS the health insurer of last resort.

Hope this helps.

 

[BigBee]

<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>babycakes</b></i>

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.</end quote></div>

Medicare rules are different than private insurances when it comes to determining which is primary/secondary.

Typically, if spouses are covered on both their own and their spouse's private insurance (offered through employers)- their own is first and spouse's is secondary. So dual covered spouses will most often have the opposite primary and secondary insurances.

Regarding dependent children - if covered under both parent's private insurance - the insurance of the parent who has the earliest bday (in a calendar year - not year of birth) is primary and the insurance of the parent whose bday is later in the year is secondary.


There was a very good explanation of Medicare primary vs secondary above. However, calling your insurance companies and asking them who is primary will often lead to bad information and also to frustration <img src="i/expressions/face-icon-small-smile.gif" border="0">.

In our state (WI) and I believe, most others, Title 19 (Medicaid) is ALWAYS the health insurer of last resort.

Hope this helps.

 

[BigBee]

<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>babycakes</b></i>

I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.</end quote>

Medicare rules are different than private insurances when it comes to determining which is primary/secondary.

Typically, if spouses are covered on both their own and their spouse's private insurance (offered through employers)- their own is first and spouse's is secondary. So dual covered spouses will most often have the opposite primary and secondary insurances.

Regarding dependent children - if covered under both parent's private insurance - the insurance of the parent who has the earliest bday (in a calendar year - not year of birth) is primary and the insurance of the parent whose bday is later in the year is secondary.


There was a very good explanation of Medicare primary vs secondary above. However, calling your insurance companies and asking them who is primary will often lead to bad information and also to frustration <img src="i/expressions/face-icon-small-smile.gif" border="0">.

In our state (WI) and I believe, most others, Title 19 (Medicaid) is ALWAYS the health insurer of last resort.

Hope this helps.

 

[BigBee]

<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>babycakes</b></i>
<br />
<br />I thought it was always who's birthday came first in the year??? I'm april my hubby is dec therefore my insurance is primary. Even though I'm younger and make less.???? That's how ours works.</end quote>
<br />
<br />Medicare rules are different than private insurances when it comes to determining which is primary/secondary.
<br />
<br />Typically, if spouses are covered on both their own and their spouse's private insurance (offered through employers)- their own is first and spouse's is secondary. So dual covered spouses will most often have the opposite primary and secondary insurances.
<br />
<br />Regarding dependent children - if covered under both parent's private insurance - the insurance of the parent who has the earliest bday (in a calendar year - not year of birth) is primary and the insurance of the parent whose bday is later in the year is secondary.
<br />
<br />
<br />There was a very good explanation of Medicare primary vs secondary above. However, calling your insurance companies and asking them who is primary will often lead to bad information and also to frustration <img src="i/expressions/face-icon-small-smile.gif" border="0">.
<br />
<br />In our state (WI) and I believe, most others, Title 19 (Medicaid) is ALWAYS the health insurer of last resort.
<br />
<br />Hope this helps.
<br />
<br />

 

[Kelli]

Ok, thank you very much!! That does help a lot. I always wondered why they asked how many employees we had! Now I get it!

So Medicare IS my primary (and I called Medicare to confirm that, yes I did get an answer, hopefully they'll cover the heart attack I had). <img src="i/expressions/face-icon-small-smile.gif" border="0"> hehehehe

Then my husband's insurance would be secondary and then the Sierra RX I have thru Medicare (part D) that I buy, would come 3rd. Why I'm paying so much is beyond me, but maybe one day that will work it's self out.

Anyone familiar with BCMH? (bureau for children with medical handicaps) I am trying to get on that (and drop the medicare crap) but until then, I'm still going thru red tape and all the nightmares!

Thanks again for your help. You've helped me more than the social worker @ the hospital, it's taken her months and I've not heard back. grrrrrr

Kelli
<img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[Kelli]

Ok, thank you very much!! That does help a lot. I always wondered why they asked how many employees we had! Now I get it!

So Medicare IS my primary (and I called Medicare to confirm that, yes I did get an answer, hopefully they'll cover the heart attack I had). <img src="i/expressions/face-icon-small-smile.gif" border="0"> hehehehe

Then my husband's insurance would be secondary and then the Sierra RX I have thru Medicare (part D) that I buy, would come 3rd. Why I'm paying so much is beyond me, but maybe one day that will work it's self out.

Anyone familiar with BCMH? (bureau for children with medical handicaps) I am trying to get on that (and drop the medicare crap) but until then, I'm still going thru red tape and all the nightmares!

Thanks again for your help. You've helped me more than the social worker @ the hospital, it's taken her months and I've not heard back. grrrrrr

Kelli
<img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[Kelli]

Ok, thank you very much!! That does help a lot. I always wondered why they asked how many employees we had! Now I get it!

So Medicare IS my primary (and I called Medicare to confirm that, yes I did get an answer, hopefully they'll cover the heart attack I had). <img src="i/expressions/face-icon-small-smile.gif" border="0"> hehehehe

Then my husband's insurance would be secondary and then the Sierra RX I have thru Medicare (part D) that I buy, would come 3rd. Why I'm paying so much is beyond me, but maybe one day that will work it's self out.

Anyone familiar with BCMH? (bureau for children with medical handicaps) I am trying to get on that (and drop the medicare crap) but until then, I'm still going thru red tape and all the nightmares!

Thanks again for your help. You've helped me more than the social worker @ the hospital, it's taken her months and I've not heard back. grrrrrr

Kelli
<img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[Kelli]

Ok, thank you very much!! That does help a lot. I always wondered why they asked how many employees we had! Now I get it!

So Medicare IS my primary (and I called Medicare to confirm that, yes I did get an answer, hopefully they'll cover the heart attack I had). <img src="i/expressions/face-icon-small-smile.gif" border="0"> hehehehe

Then my husband's insurance would be secondary and then the Sierra RX I have thru Medicare (part D) that I buy, would come 3rd. Why I'm paying so much is beyond me, but maybe one day that will work it's self out.

Anyone familiar with BCMH? (bureau for children with medical handicaps) I am trying to get on that (and drop the medicare crap) but until then, I'm still going thru red tape and all the nightmares!

Thanks again for your help. You've helped me more than the social worker @ the hospital, it's taken her months and I've not heard back. grrrrrr

Kelli
<img src="i/expressions/face-icon-small-smile.gif" border="0">

 

[Kelli]

Ok, thank you very much!! That does help a lot. I always wondered why they asked how many employees we had! Now I get it!
<br />
<br />So Medicare IS my primary (and I called Medicare to confirm that, yes I did get an answer, hopefully they'll cover the heart attack I had). <img src="i/expressions/face-icon-small-smile.gif" border="0"> hehehehe
<br />
<br />Then my husband's insurance would be secondary and then the Sierra RX I have thru Medicare (part D) that I buy, would come 3rd. Why I'm paying so much is beyond me, but maybe one day that will work it's self out.
<br />
<br />Anyone familiar with BCMH? (bureau for children with medical handicaps) I am trying to get on that (and drop the medicare crap) but until then, I'm still going thru red tape and all the nightmares!
<br />
<br />Thanks again for your help. You've helped me more than the social worker @ the hospital, it's taken her months and I've not heard back. grrrrrr
<br />
<br />Kelli
<br /><img src="i/expressions/face-icon-small-smile.gif" border="0">