🚨 Critical Reminder: Keep Your Insurance Info Updated! 🚨
🛡️ Preventing Huge Medical Bills with Proper Insurance Coordination
At Orchid, we do everything possible to ensure our learners have the correct insurance information. 🌸 Over the years, simple mistakes—like a plan change within the same carrier requiring a new treatment plan—have cost us thousands of dollars and placed undue burdens on our families. 💸 As someone connected with other business owners, it's not uncommon for a family to end up with bills in the tens of thousands of dollars due to mistakes in notifying their provider of changes. 💰 Along with the unforeseen financial impact on families and our organization, we don't want to have your child's services interrupted by insurance issues. 🚫🧩 This article is just one more step that Orchid is taking to ensure that families don't experience the hardship of a large medical bill or any interruptions in service. 🌸👨👩👧👦
We want to remind everyone of the crucial importance of keeping your insurance information current. Ensuring your records are up-to-date can make a significant difference in the coordination of care for your child, especially if there have been recent changes in your insurance coverage or if your household now has a secondary insurance policy available for your learner.
📅 Determining Primary and Secondary Insurance
When it comes to managing multiple insurance policies, understanding which is primary and which is secondary is essential. Here’s a simple rule to follow:
Birthday Rule: The insurance of the parent whose birthday comes first in the calendar year (month and day) is considered the primary insurance. The other parent's insurance is secondary.
Example:
Parent X’s Birthday: January (Primary Insurance)
Parent Y’s Birthday: March (Secondary Insurance)
In this example, medical claims are initially processed by the primary insurance (Parent X’s), and any remaining costs are then handled by the secondary insurance (Parent Y’s).
🌟 Benefits of Proper Coordination
Properly coordinating your insurance policies offers several key benefits:
Comprehensive Coverage: Ensures your child receives the necessary care without duplication of services.
Streamlined Processing: Efficiently manages claims between multiple insurers, reducing administrative hassles.
Reduced Denials: Proper coordination reduces the likelihood of coverage denials, providing smoother access to required services.
Effective coordination requires clear communication among your family, healthcare providers, and insurance companies. Without the correct information, unexpected financial issues may arise, impacting your family.
If you have any changes to your insurance or now have two insurance policies, please inform your healthcare provider or school. Keeping them updated helps ensure that your child continues to receive the best possible care without interruptions or financial surprises.
