Questions about dual insurance
Hi everyone. I have an HMO through my work but I was recently diagnosed with cancer and need to see providers that take PPO's so I purchased a PPO on my own. Open enrollment at my work ends on October 31st and I was diagnosed after it ended so my only choice was to get a PPO. I started seeing a provider through my HMO in the mean time until my PPO went into effect. Which insurance is primary and which is secondary? I'm afraid of running into problems with a provider who only takes PPO and another provider who takes my HMO but my HMO is denying me seeing that provider because I'm already with another doctor using my HMO. The problem is I need a second and third opinion. Can anyone please explain to me how the coordination of benefits would work and whether I'll run into problems with the insurance paying specifically in these two scenarios?
Thank you.
0 nhận xét:
Đăng nhận xét