OK, so you say that you have Medicare (Primary insurance) and you have another insurance (Secondary Insurance).
This is how it’s SUPPOSED to work: Your providers (all) bill the primary insurance company (Medicare). For the deductibles, coinsurances and any denials (meds & other things), the providers should then take that Medicare denial and send it on over to the secondary insurance company.
If your secondary policy pays for items that Medicare does not pay for, such as meds, coinsurances & deductibles, they will then send payment directly to the provider. You may actually be covered, but the process is misdirected. This happens all too often!
Would that the pharmacy, knowing your primary won’t pay, could bill the secondary insurance directly but they can’t do it. They have to get the denials first and then bill.
Recommend that you 1.) call your secondary insurance to make sure your meds are covered even though they’re 2ndary and then 2.) speak to the pharmacy and ask them how they do their billing since your secondary should still be paying for those things Medicare won’t (have to put a disclaimer here - Medicare has a whole list of things they won’t pay for & maybe your 2ndary insurance does too, so that’s why you want to find out & go in to the pharmacy armed for bear.)
Good luck!
I think that our secondary ins. now that I’m on Medicare, does not cover my Rx costs.
It’s medical expenses, but not the Rx plan, so I’m stuck with whatever Medicare has for Rx’s.