Patient Advocate Foundation (PAF) programs and services are fully operational. As the coronavirus spreads across the country, PAF wants to make sure you have answers and resources to support you during this uncertain and stressful time. For resource, FAQ’s and educational webinars addressing the coronavirus pandemic, please visit our COVID Care Resource Center✕
A national 501 (c)(3) non-profit charity that provides direct services to patients with chronic, life threatening and debilitating diseases to help access care and treatment recommended by their doctor.
Question: What if I Have More Than One Health Plan?
Answer: You may have coverage from more than one health insurance plan. For example, spouses may have coverage for themselves and each other under their workplace plans. Older employees who are still working may have both Medicare and employer-sponsored coverage. Retired employees may have both retiree insurance through their final employer and Medicare coverage.
If you have more than one active policy each and every claim filed will undergo a review process to determine which health insurance company should be the primary or secondary payer. Once the primary plan pays their portion of the allowable charges on covered services the remaining balance is submitted to the secondary payer for consideration under their benefit plan.