Coordination of Health Insurance Benefits
Wondering if anyone has any insight to this at all.
I moved companies in the new year and my health care provider switched to the same one that my wife has with her employer now.
I feel that now that we are with one insurance provider we are only being treated as one plan instead of 2.
Couple of examples of how treatments would have been delt with before and after my move.
Wife got Orthotics through her Chiro for $549, she sent it to her insurance company and they paid thier maximum of $300, leaving $249 for me to submit to my company. My company paid $200 out of the $249 as this was thier max. So in total we got $500 out of the $549.
This is how it works now that we are with the same insurance company. She submits the $549 to hers and gets paid $300, it automatically gets submitted to mine, but the response is that they had already paid the max of $300 so no more would be available. So only $300 out of $549 is now paid.
Not sure why it is now working this way, but I was wondering if anyone else has run into problems like this. I actually see no reason to have the second set of benefits.
Thanks
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