ChiroUp makes billing claims with secondary policies seamless. Follow this article to see how secondary claims are handled through each step of the billing process. 

🌟 Attaching your secondary policy to claims: 

You'll want to attach both the primary and secondary claims (in priority order) to your purchase: 

When you attach both the primary and secondary policy, ChiroUp will create two claims. 

• For the Primary insurance, a Pending Claim will be created. You can work and send this Pending Claim now to the Primary! 
• For the Secondary insurance, a Waiting on Other Claim will be created. You'll work this claim later, after receiving and posting the Primary ERA. 

You can quickly see that these claims were created in the Invoices tab of the purchase: 

🌟 Secondary Claims Status Management: 

You’ll submit the Primary claim for patients with Secondary insurance as you normally would. While the Primary is sent to insurance and you’re waiting on the ERA, the secondary claim will remain in the Waiting on Other status.

Once you receive and post the Primary ERA, your Secondary claim with either move from Waiting on Other to Pending, or Waiting on Other to Submitted, depending on how you've configured the Primary payor in your Payors database. 

If you’ve marked in your Payors database that the primary payor sends to secondary, then posting the Primary ERA will automatically move the Secondary claim from Waiting on Other to Submitted. Since the Primary forwards the claim directly to the Secondary, you don’t need to submit the Secondary claim in ChiroUp. It’s marked Submitted so it’s ready for the secondary ERA once it’s received.

If you have not marked in your Payors database that the primary payor sends to secondary, then posting the Primary ERA will automatically move the Secondary claim from Waiting on Other to Pending. This will add the Secondary claim into your queue of Pending claims to be Submitted as you normally do.

🌟 Posting Primary and Secondary ERAs: 

For a deeper dive into posting ERAs, this article covers each step of the process in detail. 

When you post an ERA, three things happen in ChiroUp: 

• Payor Payment is Posted: You'll see payor payment(s) is posted to the purchase. 
• Patient Responsibility is Finalized: ChiroUp will update the Patient Responsibility on the Purchase to match the ERA PR group amount. 
• CO is Written-Off: ChiroUp will write-off the CO/OA group amount. 

If the patient has only a primary insurance, then all three above actions are taken at time of posting. 

If a patient has both a primary and secondary policy, payor payments are posted each time you post an ERA. However, ChiroUp will not finalize patient responsibility or write off CO amounts until the ERA from the most downstream payor is posted.