Insurance deductible help with two insurances

Sue W.
on 1/24/09 11:10 am - CO
My primary insurance has a high deductible, but WLS is covered.  Will my secondary insurance pay for surgery if the deductible has not been met for the first insurance?  Or do I have to pay the deductible before the second insurance will pay?
Sue   SW 234/CW 182/GW 130    5'3"


            
brebre1984
on 1/25/09 9:10 am - Nashville, TN
The main purpose of a secondary insurance is to cover the out of pocket from the primary insuracne (deductible, coinsurance). However, if you have a deductible with the sec, you will have to meet it before the pay . There are some secondary insurances that only meet the primary coinsurance not the deductible or some that only pay the primary ded and not the coninsurance. You should probably make sure with your secondary that they are going to cover expenses left after the primary.
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