I HAVE TWO DIFFERENT MEDICAL COVERAGES THROUGH HUMANA AND AETNA. WILL BOTH PAY FOR MY MEDICAL BILLS?
I have dual opposite healing coverages by Humana as well as Aetna. Will both companies compensate for my healing bills? How have been they starting to compensate for my bills? Will this emanate any problems to compensate my healing bills?
Tagged with: Aetna. • Both. • Coverages • Different • Have • Humana • Medical • Through • Will
Filed under: Medical Study
First you will need to determine which is primary. But you really haven’t given enough info in your question. If one is yours (say through an employer) and the other is your spouses (through her employer) then yours is primary for you and hers will be secondary. BUT if one is yours through an employer and one is an individual policy that you pay for, you will have to look at the individual policy to see if it coordinates with any other policy or if it pays you directly.
For the most part, Humana will only cover services supplied by Humana providers, except in the case of an emergency.(Much like Kaiser). You don’t say what type of policy the Aetna is-HMO-PPO? Whatever carrier has the better benefit for the service you recieve, you will need to follow their guideline for payment. E.G.-pre-authorization, authorization, referral by Primary Care Doctor to get full benefit coverage. Chances are if the primary pays 80%, the secondary will not pick up any balance UNLESS their benefit as primary was more than 80%.
So you may want to consider the cost of the premium for the secondary policy versus the actual benefits paid. It may not be worth it unless there is a benefit that you need or use that one does not cover and the other does (like chiropractic).
This can get complicated, so if you are confused or have any other questions, e-mail me. I’ll try to help if I can.
why do you have 2 policies? you’re wasting money – you won’t get more than 100% of the bills paid – or each may pay a portion – big mess – get rid of one of the policies
One is your primary insurance, the other is your secondary. You’ll need to find out which is which and when you use med services, provide the information appropriately so they’re both billed as they should be. Not unusual for folks to have two insurance policies at all.
Read this:http://insurance.freeadvice.com/insuranc…
The other answers are correct unless you are on Medicare. If you are on Medicare, then the coverages could be almost the same and you do not need two medicare supplement policies or two medicare advantage plans. If the insurance agent knew about the other plan, then he or she should have explained the differences, not sold you on another policy.
One will be your primary and the other will be your secondary insurance. The first one will pay the majority of the claim and whatever the primary didn’t cover will go through your secondary insurance.