Understanding Co-pays with Primary & Secondary Insurance

When you have primary and secondary insurance, the co-pay from your primary insurance will be paid by your primary insurance. This is because the primary insurance is responsible for covering the majority of your medical expenses. The secondary insurance will only cover the remaining expenses after the primary insurance has paid its portion.

Here's an example of how it works:

* You have a primary insurance plan with a $2,000 deductible and a 20% co-pay.

* You have a secondary insurance plan with a $500 deductible and a 10% co-pay.

* You go to the doctor and your bill is $1,000.

* Your primary insurance will pay $800 (the cost of the bill minus the deductible) and you will pay $200 (the co-pay).

* Your secondary insurance will then pay the remaining $200 (the cost of the co-pay).

So, in this example, you would only have to pay $200 out of pocket for your medical bill. The primary and secondary insurance would cover the remaining $800.

It is important to note that the specific terms of your primary and secondary insurance plans may vary. Be sure to read your policy documents carefully so that you understand how your coverage works.