I do coding but don't have much experience with the back-end EOB side of things. If a patient has a primary insurance and a secondary and the primary pays/adjusts everything except the $25 co-pay and the secondary insurance EOB shows a greater adjustment than the primary, is the provider required to take the greater of the adjustments if the provider is contracted with both insurances leaving the patient potentially with $0 co-pay potentially? I have a lot of people telling me yes and one person telling me no. If so, is there anywhere that is available in writing?