I don't know if this is answering your question or not. I kow every insurance is different than another. My husband had good insurance where he worked. His was promary and my Medicare was secondary. So when I went they would charge the bill first to his insurnce since it was primary. If there was any bill left over it was then sent to Medicare. So I generally had no payment for doctors visits after both insurances took their whack at it. Now procedires were different. How I wish he hadn't retired Messed our lives up. And I don't have my days to myself. Does anyone need a spare husband. He doesn't come with any household skills except loosing things.