COB – Secondary insurance charging more than Primary

I got a Explanation of benefits from my primary insurance for a co-pay of $50 for an X-Ray. Then my secondary insurance sent an Explanation of benefits saying I need to pay $195 as total responsibility.

Basically, the total allowance from each insurance was different. My secondary would pay more to the provider than the primary if they were my primary.

So I have a couple of questions:

Can the secondary insurance charge more with coordination of benefits? Do I need to pay $195 or $50? My provider sent me a bill for $50. Is it optional to use the secondary insurance while coordinating benefits? If so, I could tell the provider next time to only charge my primary.

For some things like dental my secondary is great, but my primary doesn’t cover dental at all. That’s why I am keeping the two health insurances.

submitted by /u/weekendworker99
[link] [comments]I got a Explanation of benefits from my primary insurance for a co-pay of $50 for an X-Ray. Then my secondary insurance sent an Explanation of benefits saying I need to pay $195 as total responsibility. Basically, the total allowance from each insurance was different. My secondary would pay more to the provider than the primary if they were my primary. So I have a couple of questions: Can the secondary insurance charge more with coordination of benefits? Do I need to pay $195 or $50? My provider sent me a bill for $50. Is it optional to use the secondary insurance while coordinating benefits? If so, I could tell the provider next time to only charge my primary. For some things like dental my secondary is great, but my primary doesn’t cover dental at all. That’s why I am keeping the two health insurances. submitted by /u/weekendworker99 [link] [comments]Read Morer/HealthInsurance

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