Payments > Insurance Payments

Paid by two insurances as Secondary

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Michele:
The problem is even with a sample letter you don't know who you are supposed to be refunding.  If you call both and they both claim that they paid correctly who do you return it to?  If you send it to the patient and one of them decides to do an audit then you are responsible for repaying them, even if you sent it to the patient.  There is no easy answer.

tzdermpath:
Michelle,

The advice I have gotten says to notify both insurances and then hold the money. That it should never go back to the patient unless I have received written request from the insurance to do so. I think as long as I have notified both insurances to co-oridinate benefits and leave it up to them then I am covered legally. That is my understanding at least. 

I was able to get a sample letter so we are going to try that and then verifiy other information from there.

Michele:
I agree with the advice.  I would document everything very well, who you notified, when, and what they advised you. 

rdmoore2003:
also, now that you have a sample letter, you should have a contact for each facility you deal with.   once you have a contact person, you can send them your sample letter that way the contact can dispurse appropriately or even fill out for you.  i have a form that i made, its simply called "insurance tracking form".

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