Primary Payer:
A health insurance plan that will pay first on the bills for service. These are typically major medical health plans.
Secondary Payer:
A health insurance plan that pays after the primary payer has determined what they will pay on the claim.
Supplemental Insurance:
A health insurance plan that pays after the primary payer has
determined what they will pay on the claim. CHAMPVA will pay before
a CHAMPVA supplemental policy, but will pay after a Medicare supplemental
policy. For more information, see the Supplemental Health Insurance
section.
· Medicare supplemental plans (commonly referred to as Medigap plans) are primary to CHAMPVA.
Coordination of Benefits:
CHAMPVA
must be aware of other health insurance to know when there may
be double coverage. Knowing this, we can ensure that there is
not a duplication of benefits paid between the other health insurance
coverage and CHAMPVA. The explanation of benefits from the OHI
provides the documentation for us to coordinate benefits and pay
your claim appropriately.
