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Brown Cafe UPS Forum
UPS Union Issues
Coordination of Benefits- Teamcare not paying/Run around
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<blockquote data-quote="BrownBrokeDown" data-source="post: 1342591" data-attributes="member: 46824"><p>READ THIS HORRORCROFT</p><p> </p><p>There is a common misconception about secondary insurances. Just because you have 2 insurances doesn't mean you will pay zero. I have been through this and consequently dropped the non-UPS healthcare. I will give you examples below to try to explain how it works.</p><p> </p><p> </p><p>Example 1 - primary insurance is better than secondary</p><p>primary pays 80%, secondary pays 70%</p><p> </p><p>bill of $1000, goes through 1st insurance and you owe $200. Then the bill is sent to the secondary. Since they would have payed less, they say we are not responsible for anything and don't pay anything. You owe $200.</p><p> </p><p>Example 2 - primary insurance is same as secondary</p><p>primary pays 80%, secondary pays 80%</p><p> </p><p>bill of $1000, goes through 1st insurance and you owe $200. Then the bill is sent to the secondary. Since they would have payed the same amount, they say we are not responsible for anything and don't pay anything. You owe $200.</p><p> </p><p><span style="font-size: 12px">Example 3 - primary insurance is worse than secondary</span></p><p><span style="font-size: 12px">primary pays 80%, secondary pays 90%</span></p><p> </p><p>bill of $1000, goes through 1st insurance and you owe $200. Then the bill is sent to the secondary. Since they would have payed $900 (90%), they say we pay the difference, $100 (10%), between what the primary paid and what we would have paid. You still owe $100.</p></blockquote><p></p>
[QUOTE="BrownBrokeDown, post: 1342591, member: 46824"] READ THIS HORRORCROFT There is a common misconception about secondary insurances. Just because you have 2 insurances doesn't mean you will pay zero. I have been through this and consequently dropped the non-UPS healthcare. I will give you examples below to try to explain how it works. Example 1 - primary insurance is better than secondary primary pays 80%, secondary pays 70% bill of $1000, goes through 1st insurance and you owe $200. Then the bill is sent to the secondary. Since they would have payed less, they say we are not responsible for anything and don't pay anything. You owe $200. Example 2 - primary insurance is same as secondary primary pays 80%, secondary pays 80% bill of $1000, goes through 1st insurance and you owe $200. Then the bill is sent to the secondary. Since they would have payed the same amount, they say we are not responsible for anything and don't pay anything. You owe $200. [SIZE=3]Example 3 - primary insurance is worse than secondary primary pays 80%, secondary pays 90%[/SIZE] bill of $1000, goes through 1st insurance and you owe $200. Then the bill is sent to the secondary. Since they would have payed $900 (90%), they say we pay the difference, $100 (10%), between what the primary paid and what we would have paid. You still owe $100. [/QUOTE]
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