How does the hospital bill primary and secondary insurance
Went to EvergreenHealth for a surgery earlier, and I have a primary insurance and a secondary insurance on profile. But I can’t tell how exactly did the hospital bill my two insurances? Does anyone has experience on this and maybe can you help me take a look does the math/numbers looks right?
Basically I wanted to know how much was the total bill but I couldn’t get a good answer from the hospital, called and looked at the statement, still confused. What I am seeing is that my insurance A has a bill of $480, and my secondary insurance B also has a bill of $480 for the same day treatment. My insurance A covered the most and only need me to pay for a copay of $30. But insurance B also has an out of pocket amount of $50 for me to pay. What I am confused about is, how much is the total billing here?
If it was $960 – and they were splitting the bills to half, I think the numbers make sense. However, all I found online it sounds like the hospital would bill the primary insurance first, meaning the total bill is only $480? If so, my copay from my insurance A is already left to only $30, then the secondary insurance B should pick up from it (either pay partial or nothing). But how comes I am also seeing a $480 bill there and need to pay $50 which is higher than what is left from insurance A ($30)?
So I guess the question is would the hospital divide the bills into two insurances for billing (bill half and half for both), or should they just sent one bill in total to my primary insurance first? Should I call the hospital to check again that how much was the total bill?
Thank you all in advance!!
submitted by /u/Glass_Highway8969
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