Quote:
Originally Posted by Sable99
As I said in an erlier post on this thread, I am new to Medicare. In August, I had my yearly exams and had tests done by my doctor and the hospital. They both told me there were some new changes that became effective in July. They told me one of my standing labs would have to be re-written or it wouldn't be covered. They also told me that if Medicare denies a claim that the secondary insurances are now automatically denying the claim.
My question was (and still is) if the secondary insurance is automatically denyig the claims why do we need them? I realize that Medicare is only good in this country.
I currently have BC/BS Standard and Medicare Part A and B. But because of what the doctor and hospital told me in August I am wondering if that is a wise choice.
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I may be mistaken but I think you have this backwards. If Medicare approves a charge, your secondary most likely will also approve any deductible or copay that needs to cover the entire bill. If Medicare disallows a charge, then your secondary insurance will review it for approval. I have had test or services disallowed by medicare but approved by BCBS at their rate.