Question:
Does it make a difference if you have two insurances?

I have State Group Employees of Louisiana as my primary insurance. State Group generally does not approve this surgery unless they are brought to court. Tri-Care is my secondary insurance, and has been known to approve this surgery quite often. I am wondering if anyone has had this type of situation, and if their secondary insurance stepped up and covered without the primary insurance paying. I would appreciate any info that could be passed along my way......Thanks! Kimber    — Kimberly B. (posted on March 31, 2002)

March 31, 2002
I think it does matter and can greatly help in some cases! My primary insurance is with the City of San Antonio in Texas and has a specific exclusion to this surgery. My hubby's (secondary insurance) is Blue Cross/Blue Shield of Texas and will cover it. However, BC/BS did not wanted me to pay a portion but when I submitted a letter of rejection from my primary, BC/BS agreed to pay for 100%. I hope this helps.
   — MonicaR

April 1, 2002
You would want to submit ALL paperwork to BOTH insurance companies for approval. If the primary carrier denies the surgery and the secondary company approves it, you will still have to submit ALL bills to the primary carrier for them to deny the claim first before the secondary carrier can pay the claim. With each EOB (Explanation of Benefits) you receive from the primary carrier where they have denied charges, make sure you submit that EOB and an itemized bill for that service to the secondary carrier and they they will process the claim. ALWAYS keep a copy of your EOB's for future reference in case they are lost in the mail.
   — Patty H.