Medical Bills
I have two different medical coverages through Humana and Aetna. Will both pay for my medical bills?
I have two different medical coverages through Humana and Aetna. Will both companies pay for my medical bills? How are they going to pay for my bills? Will this create any problems to pay my medical bills?
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.
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