Question about coordination of benefits between insurance companies
Hi guys,
First of all, my questions aims to recover 100% of my actual costs and nothing else. And frankly, this is the message the insurance companies provide to us and I couldn't care less about the administrative bureaucracy, which always turns out to their favor.
I always read from insurance companies you should first submit under your own plan and then under your spouse's plan and benefit coordination is great and you as a customer always benefit of it LOL....
However, this lead me to a situation where my coverage from both plans is less than 100% and lower when I would have submitted first under my wife's plan and then under my own plan.
The issue is that my wife's plan has a lower customary charge for medical devices than my insurance. Because my insurance already covered 80% and has a higher customary charge, the other insurance only paid the difference between there customary charge and the amount my insurance paid (effectively 10%) and not the remaining 20%.
I always disclose to the insurance there is a second plan and so far I played along by submitting it first under my plan. However, I am wondering if I am truly obliged to submit first under my plan? My intention is not to get more than the actual cost back, just to get the coverage I am supposed to get, the coverage they promise, the coverage we deserve.
This year was already a super bad year #travelinsurance and I do not want to leave that industry more money than they are supposed to have according their obligations.
Thanks for your feedback
First of all, my questions aims to recover 100% of my actual costs and nothing else. And frankly, this is the message the insurance companies provide to us and I couldn't care less about the administrative bureaucracy, which always turns out to their favor.
I always read from insurance companies you should first submit under your own plan and then under your spouse's plan and benefit coordination is great and you as a customer always benefit of it LOL....
However, this lead me to a situation where my coverage from both plans is less than 100% and lower when I would have submitted first under my wife's plan and then under my own plan.
The issue is that my wife's plan has a lower customary charge for medical devices than my insurance. Because my insurance already covered 80% and has a higher customary charge, the other insurance only paid the difference between there customary charge and the amount my insurance paid (effectively 10%) and not the remaining 20%.
I always disclose to the insurance there is a second plan and so far I played along by submitting it first under my plan. However, I am wondering if I am truly obliged to submit first under my plan? My intention is not to get more than the actual cost back, just to get the coverage I am supposed to get, the coverage they promise, the coverage we deserve.
This year was already a super bad year #travelinsurance and I do not want to leave that industry more money than they are supposed to have according their obligations.
Thanks for your feedback