bcbs and cigna

[brighterdays 0]

I have just been approved by bcbs,my primary, and I have cigna as a secondary. I was wondering if cigna would pay the 20% that bcbs does not cover. Any comments are welcomed! Thanks!!!

[ParrotheadCathy 0]

It seems likely that if both cover the surgery, that the primary would pay whatever it covers percentage wise and then the secondary (co-insurer) would pay its precribed percentage. It could wind up covering 100% or you could still have to pay some. Time to get on the phone and make sure BOTH cover weight loss surgery, and then ask questions.

[Emilie1 3]

Cigna was my primary and covered 100% of my surgery minus copays. Good luck.

[ashes330 0]

I work for CIGNA. Let's say your bill is $20000 and BCBS pays all but $2000. When this claim hits CIGNA, they'll look to see if you've met your deductible with them. If not, they won't pay anything until it's met. So let's say you have a $500 deductible with CIGNA. CIGNA would apply $500 of the $2000 to your deductible, you're on the hook for this amount.

Then they'd pay their portion. Let's say you have 10% coinsurance. Then they'd pay 90% of the $1500. What's left over you pay.

This isn't just how CIGNA works, this is how all secondary payors process their claims. It puts more of the bill on you and reduces the amount the insurance companies pay out of their pocket. These days it almost doesn't pay to have double coverage unless you're getting it for free.