Insurance is something very important for any society. For quite some time they have helped several people and saved their lives amid different situations of medical emergencies. That is why, little by little, different measures have been implemented so that everything can work as it should.
Starting with this fact, Aetna medicare supplement plans has established a great measure to improve the service to its users and it is not necessary to renounce Medicare in order to have other insurance. You see, there are people who prefer to have two insurances in order to have much more protection or simply because life’s circumstances have ended up wound up with two insurances at the same time.
However, Medicare Insurance does not force you to have to sacrifice insurance in order to have the other because you know that both are important. That is why there is a process which was created to determine which insurance should act first.
Each health insurance will be given the name of payer. Thus they will be denominated throughout the entire process. In this way, there is a primary payer and a secondary payer.
To determine which one pays first you must establish who will play each role. This is through the rules of the Benefits Coordinator. Here different factors are evaluated in the contracts that have been signed by each insurer and then the roles are established.
Finally, knowing who is who, when a medical emergency arises that must be resolved quickly, the primary payer must cover the expenses of the bills that are due until the complete policy is exhausted. The reason for this is that the secondary payer cannot act until the main insurance is completely exhausted.
In case the primary payer has already canceled the invoices until all is exhausted, the invoices must be sent to the secondary payer. That is when it must cover the expenses that have been left outside the primary payer. But this will not be necessary if the main insurance solvent all expenses.
On the other hand, there are scenarios in which the secondary payer does not respond to cancel the expenses that have been left out because Medicare has not covered them. There you enter a delicate situation which Medicare Insurance can solve.
There is something called conditional payment and it means that Medicare is responsible for the medical services and expenses that the second payer has not covered since it did not respond within the 120 days allowed.
Medicare takes care of this so you do not have to pay it directly out of your pocket since we know they are large amounts. However, you must then make a settlement, trial or deal with Medicare in which you will be reimbursed for the amount previously paid. This is done in comfortable installments which you can pay little by little as long as you comply with the arrangement with which you have arrived with Medicare Insurance.
Now that you know how Medicare Insurance works with other insurers, your life will be easier and you will save yourself a lot of headaches in the future.