State MD
I have a HMO plan with no deductible and my husband has a PPO plan with deductible of $600. If I go to a doctor who is in network for both. I understand that my primary insurance will kick in first and since I have no deductible, I will end up paying the co-pay of $25. I wanted to know if the doctor's bill is $200 and I pay a copay of $25, will the secondary insurance adjust the deductible? Would my deductible with my secondary insurance remain as $ 575 ($600 - $25 I have paid) or $400 ($600 - $200 charged by the provider)?
Thanks so much!!
I have a HMO plan with no deductible and my husband has a PPO plan with deductible of $600. If I go to a doctor who is in network for both. I understand that my primary insurance will kick in first and since I have no deductible, I will end up paying the co-pay of $25. I wanted to know if the doctor's bill is $200 and I pay a copay of $25, will the secondary insurance adjust the deductible? Would my deductible with my secondary insurance remain as $ 575 ($600 - $25 I have paid) or $400 ($600 - $200 charged by the provider)?
Thanks so much!!