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How To Track Of Your Claims For Medical Bills: A Simple Method

If You Are Covered Under More Than One Health Insurance Plan

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The insurance companies (including Medicare) determine which pays first, and which pays second as well as how much each pays - under an industry wide system known as "Coordination Of Benefits."

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    • The company that pays first is known as the "primary" insurance company.
    • The company that pays second is "secondary."

The secondary carrier will not process the claim until the primary carrier has completed processing it. Also, in addition to the itemized bill, the secondary carrier will require a copy of the primary carrier's EOB. See the section above, An Easy Tracking System.

Create a set of folders for each plan as you would if you only had one health plan. Create two more folders for each insurance company: one for bills that have been processed by your primary insurance company but not the second one, and another for the second plan's EOBs. By using this system you will be able to keep track of what is happening with each company in your folders.

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Coordination of Benefits

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