Guest guest Posted September 15, 2006 Report Share Posted September 15, 2006 Joan, When your Medicare kicks in, yes it will be your primary insurance. Your LTD plan will be secondary to it, and it totally depends on the contract as to whether you will have the copays. Mine does require I pay the 20% of Medicare allowable- up to the $15.00 per office visit copay that I have. (Since most exams carry a 20% portion equalling $10.38 I end up paying that.) My Medicare hospitalization (Part A) deductible of $800 (I think) is covered by the second-- and my Medicare Medical Deductible (Part of $110 is covered by the second. also my secondary insurance looks at the amount that they would have considered UC & R- (Usual, Customary and Resonable) and that they may have paid 95 or 95% of that amount-- the look at that sum payment- and only pay up to that amount-- anything over that I pay. (Sometimes it works out to be a 5% copay and sometimes they don't cover squat.) This is going to be a question for the HR people-- sorry girlfriend, I wish it was an easy answer. Tracie Quote Link to comment Share on other sites More sharing options...
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