Secondary Filing
At RCM4U, we streamline secondary claim submissions, ensuring timely payments while adhering to strict insurance guidelines.
Secondary filing is the process of submitting a claim to a secondary insurance provider after the primary insurer has processed the initial claim. Many patients have multiple insurance policies, such as Medicare with a supplemental plan, employer-sponsored coverage, or Medicaid as secondary insurance. Secondary filing ensures that all eligible reimbursements are collected, reducing out-of-pocket costs for patients and maximizing revenue for healthcare providers.
Why is Secondary Filing Important?
1. Maximizes Provider Reimbursements
Primary insurance does not always cover 100% of the billed amount. Secondary insurance helps cover additional costs, ensuring that providers receive the full payment they are entitled to.
2. Reduces Patient Out-of-Pocket Costs
Proper coordination of benefits (COB) prevents unnecessary financial burdens on patients by ensuring their secondary insurance covers eligible expenses.
3. Minimizes Claim Denials and Delays
Incorrect or incomplete secondary claims often lead to rejections and delayed payments. Our expertise in accurate claim submission prevents costly errors and rework.
4. Ensures Compliance and Proper Coordination of Benefits (COB)
Insurance companies require strict compliance with their filing procedures. We verify COB details, ensuring claims are submitted correctly according to payer-specific rules.
Our Comprehensive Secondary Filing Services
At RCM4U, we provide end-to-end support for secondary claim filing, including:
✅ Verification of Primary Insurance Payments
- Review Explanation of Benefits (EOB) or Electronic Remittance Advice (ERA) from the primary payer.
- Identify patient responsibility, co-payments, and deductible amounts.
- Ensure claim is correctly processed by the primary payer before submission to the secondary.
✅ Secondary Claim Submission & Follow-Up
- Prepare and submit claims to the secondary insurance with all required documentation.
- Attach primary EOB/ERA for proper processing.
- Verify correct patient coordination of benefits (COB) details.
✅ Automated & Manual Processing Options
- Electronic Submission: We leverage clearinghouses and payer portals to file secondary claims electronically for faster processing.
- Paper Submission: When required, we generate and mail paper claims with the necessary supporting documents.
✅ Denial & Rejection Management
- Identify and resolve issues leading to secondary claim denials.
- Resubmit claims with corrected information if necessary.
- Appeal denied claims to recover lost revenue.
✅ Patient Balance Adjustments & Statement Processing
- Ensure secondary payments are accurately posted in the billing system.
- Adjust patient accounts based on secondary insurance payments.
- Generate final patient statements for any remaining balance.
Why Choose RCM4U for Secondary Filing?
✔ Expertise in Multi-Payer Claims: Our billing specialists are experienced in handling claims across Medicare, Medicaid, private insurers, and supplemental plans.
✔ Fast & Accurate Submission: We ensure secondary claims are filed correctly the first time, reducing delays and denials.
✔ Dedicated Follow-Up & Appeals: We track every claim and take proactive steps to resolve outstanding payments.
✔ HIPAA-Compliant Process: We follow strict security protocols to protect patient information.
✔ Seamless Integration with Your System: We work with all major EHR and billing platforms to streamline workflows.