Primary and lesser insurance question - most updated approach to be reimbursed?

I have a child near Autism that has two insurance plans.

The primary insurance plan does not cover Autism dream therapy.
The secondary insurance plan does cover Autism psychiatric therapy.
The Autism therapy provider is out of both networks.

The provider bills me weekly for services, and I own to send claims to insurance. What is the most restructured way to profile that will minimize the time before I am reimbursed. Specifically:

- Do I enjoy to be refused by the primary back filing beside the secondary?
- What recourse do I hold if the primary insurer is slow to refuse, cause me to be late or miss my deadline for file with the minor policy?

Can pregnancy complication be treated as pre-existing condition by insurance company?



Answers:   Well the most efficient track to file to draw from the claim processed sooner is to either fax, or distribute the claim via certified mail. If the provider will directory it for you, you can also see if the provider will file the claim electronically. They'll obligation the insurance company's payor id to do that, and some providers don't hold the capability of doing that.

You do own to have the denial from the primary holder before the inferior carrier will wage. If you submit a claim to your secondary haulier, without an explanation of benefits from the primary, they will deny your claim.

Which brings me to your ending question. As long as you record in time (even though we don't hold all of the information we involve to actually reward the claim) it won't exceed your filing hold back. So if you see that your primary carrier isn't going to wages on time, stir ahead and submit the claim to your secondary possessor, even though you know they'll deny. Once the primary carrier finally pays, submit that explanation of benefits to your subsidiary carrier, and they will process your claim.

Hope this help!

Steps to becoming an Insurance Agent?


1) yes it has to be file and refused by your primary FIRST, next you have to convey the EOB to the secondary. they categorically WILL NOT process the claim with out the EOB.

2) you typically own 12 months to file a claim until that time it will be denied for timely filing. some insurance companies will allow 18 months. i find it unlikely that it is taking your primary a year and a partly to process a claim.

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