With Primary and Secondary Insurance your primary denied your claim because it was over a year is your secondary obligated to pay?

Yes, subject to the limits in their policy Answer No. With most insurance policies, there is what is called a timely filing limitation. For my company; contracted providers have 6 months, and non-contracted providers have 12 months to submit the claim.

If your primary insurance received the claim within timely filing, you may have the option of submitting the claim to your secondary with proof that it was filed in a timely manner. If that doesn't work you can always appeal the decision with the secondary or for that matter the primary insurance company Policy holders are not responsible for claims that deny for timely filing.

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