What is the name of your state (only U.S. law)? Kentucky
I am covered by two different insurance plans from two different companies until the end of next month. The plan I will be losing is a PPO plan with office visit and prescription copays and 10% coinsurance. The other plan that I have is an HRA. Where I entered into it late, I was only allotted $583 of the normally $1000 yearly amount. I then have a $1500 bridge until everything is covered 100%. Thus far I have been putting my PPO plan as primary but am wondering if that makes the most sense. It looks like they are both being billed for the same thing and both paying out the contracted amount, so it's rapidly depleting my HRA. I thought just the copay would be deducted from the HRA. Would it be better to make my HRA primary? If I deplete the balance, will my PPO plan make up the difference and would that amount count towards the bridge? I'm trying to figure out what would be best for my situation since the HRA will be the only coverage I have after next month. I have some diagnostic imaging being done here in the next couple of weeks and may need an endoscopy done as well, so this will run through my HRA funds pretty quick.
Thanks!
I am covered by two different insurance plans from two different companies until the end of next month. The plan I will be losing is a PPO plan with office visit and prescription copays and 10% coinsurance. The other plan that I have is an HRA. Where I entered into it late, I was only allotted $583 of the normally $1000 yearly amount. I then have a $1500 bridge until everything is covered 100%. Thus far I have been putting my PPO plan as primary but am wondering if that makes the most sense. It looks like they are both being billed for the same thing and both paying out the contracted amount, so it's rapidly depleting my HRA. I thought just the copay would be deducted from the HRA. Would it be better to make my HRA primary? If I deplete the balance, will my PPO plan make up the difference and would that amount count towards the bridge? I'm trying to figure out what would be best for my situation since the HRA will be the only coverage I have after next month. I have some diagnostic imaging being done here in the next couple of weeks and may need an endoscopy done as well, so this will run through my HRA funds pretty quick.
Thanks!
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