"Emplyment based health insurance is the primary insurance." 我当初念书的时候，一份是学生的健康保险，一份是老公上班的保险把我加到spouse里。我一开始走自己的学生保险，被退回来，说要老公那个保险付。我打电话到老公的保险公司，那边很爽快地说，应该他们那边先付，理由就是我开头的那句话。你的BCBS保险是自己或者老公名下的吗？
兜一圈 发表于 12/20/2016 11:13:06 AM [url=http://forums.huaren.us/showtopic.aspx?topicid=2111337&postid=73637958#73637958]

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不交好了，拖着，不能把你怎么样。
wenli100 发表于 12/20/2016 11:45:12 AM [url=http://forums.huaren.us/showtopic.aspx?topicid=2111337&postid=73638249#73638249]

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有时候取决于你在医院里填的信息，你要及时update你的保险情况，保险公司也会要求你提供其他保险信息。
多打几通电话把情况都了解清楚
waer 发表于 12/20/2016 11:42:47 AM [url=http://forums.huaren.us/showtopic.aspx?topicid=2111337&postid=73638225#73638225]

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自己名下的优先成为primary。除非你的bcbs没有加cob provision（coordination of benefits). 不过bcbs大公司不太可能。。。。
Primary vs. Secondary Carrier
The following rules apply when determining which health plan will be the primary payer:
Any plan without a COB provision always pays first.
If the person receiving benefits is the participant under the contract, that health plan will be primary. The spouse’s health plan will become secondary.
If a dependent child is covered under two or more plans, the plan of the member covering the child whose birthday occurs earlier in the calendar year will be primary (known as the birthday rule). If both have the same birthday, the policy that has been in effect longer will be primary. The birthday rule is superseded when a court order or custody rule applies.
woyaomaifang 发表于 12/20/2016 3:30:47 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2111337&postid=73640441#73640441]

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没看懂bcbs的逻辑 即使是secondary 那也要付款不能直接拒付啊 不然所有事情都是要说自己是secondary就好了 只管收钱不管交钱 稳赚不赔的生意谁不会做啊 有没有高人解释
chmod999 发表于 12/20/2016 2:40:12 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2111337&postid=73639894#73639894]

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