Charlene is right, you don't base how you answer this on what insurance the patient has, it's to be answered honestly. When this comes up, you attach a note to the patient that they should be prepared to submit the details to their carrier. If the patient did indeed fall at home the insurance company can do one of two things.. pend the claim and request information on other policy (home owners, etc) or they can pay the claim with a ROR signed first, meaning the patient and provider if accepting assignment agrees that if a third party pays the claim they have a right of recovery.