Based on the remaining patient balance after primary insurance paid, the secondary insurance needs to make it clear on their EOB just what you're supposed to do with that $20. If the 2nd allows less than the primary insurance does, and they're not going to pay anything, then patient balance should remain $20. I would definitely call the 2nd insurance and have them go over the primary EOB with you and have them tell you how to interpret their secondary EOB. If they're going to be vague with their EOB's, make them explain it over the phone so there's no uncertainty on your part. Good luck!
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