re 3 insurances... medicaid is always payor of last resort ins listed shb medicare mutual of omaha then medicaid....
If the Mutual of Omaha plan is a private, non contributory plan, you would give the credit to the patient. They are over insured. The reason you give it to them is because they are paying for the premium's. Though it would seem they are gaining financially with that credit, they are not, they are paying more in premium's than needed.