Wiki Tale of Two Deductibles

[romero033@outlook.com]

Hello,
I have a question about multiple deductibles. In this scenario, the two insurance policies are from different companies. Patient comes in for physical therapy for neuromuscular re-education for an 45 mins. After filing the claim, both the primary and secondary apply the full deductible for this one appointment. Does the patient have to pay both deductibles or do we collect for the primary?

 

[sls314]

Hello,
I have a question about multiple deductibles. In this scenario, the two insurance policies are from different companies. Patient comes in for physical therapy for neuromuscular re-education for an 45 mins. After filing the claim, both the primary and secondary apply the full deductible for this one appointment. Does the patient have to pay both deductibles or do we collect for the primary?

I would not collect more than the primary deductible amount. That should be the limit of the patient's liability.

 

[dkissel]

I would not collect more than the primary deductible amount. That should be the limit of the patient's liability.

Wouldn't the limit be the secondary if it is less than the primary?

 

[djncpb2020]

I have the same question. Primary employer group had paid $427.99 with a $1,000 deductible. Member has medicare secondary under a medicare advantage plan that processed a $800 payment with a zero member responsibility. Is the member to pay the deductible from primary?

 

[ny2scgirl]

I have the same question. Primary employer group had paid $427.99 with a $1,000 deductible. Member has medicare secondary under a medicare advantage plan that processed a $800 payment with a zero member responsibility. Is the member to pay the deductible from primary?

I would say no. The secondary said no patient responsibility.