New to Primary and Secondary

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For years I have been on my mom’s insurance plan under Cigna, but I recently found out that I could get secondary insurance under Medicaid, so I applied and was accepted. I’m just starting out on my own after college so I barely understand how regular insurance works, let alone anything more complicated.

How does the billing work when you have two plans? When I called Cigna they told me that the bill will go through primary, then once primary processes it they will send the claim and an Explanation of Benefits back to the healrh provider who will then send the claim and EOB to secondary foe them to process. Is this correct? How will I know if the bill has gone through both insurances?

I am supposed to have a colonoscopy and endoscopy soon, but I haven’t scheduled it yet because I haven’t met my primary’s deductible, so if it were to just go through Cigna I would be paying several thousand out of pocket. If the doctors and facilities are in network for both plans will Medicaid (I have HIP Plus) cover the whole bill? If Medicaid does cover the bill does my deductible with Cigna stay the same?

There’s alot health providers and insurance companies don’t tell you or just expect you to know somehow, and I’ve had several surprises when dealing with medical bills so I’m not confident things will just go according to plan. I’d rather not feel like I’m gambling between my health and my ability to survive financially.

Edit: 24, 47408, less than $10,000/year

submitted by /u/candyapplekid96
[link] [comments]
For years I have been on my mom’s insurance plan under Cigna, but I recently found out that I could get secondary insurance under Medicaid, so I applied and was accepted. I’m just starting out on my own after college so I barely understand how regular insurance works, let alone anything more complicated. How does the billing work when you have two plans? When I called Cigna they told me that the bill will go through primary, then once primary processes it they will send the claim and an Explanation of Benefits back to the healrh provider who will then send the claim and EOB to secondary foe them to process. Is this correct? How will I know if the bill has gone through both insurances? I am supposed to have a colonoscopy and endoscopy soon, but I haven’t scheduled it yet because I haven’t met my primary’s deductible, so if it were to just go through Cigna I would be paying several thousand out of pocket. If the doctors and facilities are in network for both plans will Medicaid (I have HIP Plus) cover the whole bill? If Medicaid does cover the bill does my deductible with Cigna stay the same? There’s alot health providers and insurance companies don’t tell you or just expect you to know somehow, and I’ve had several surprises when dealing with medical bills so I’m not confident things will just go according to plan. I’d rather not feel like I’m gambling between my health and my ability to survive financially. Edit: 24, 47408, less than $10,000/year
submitted by /u/candyapplekid96 [link] [comments]Read Morer/HealthInsurance

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