Secondary balance after primary
Outcome
You understand how the platform computes residual balance after primary adjudication, how secondary (and tertiary) absorb the patient liability the primary surfaced, and what the patient AR looks like at each step.
Prerequisites
| Scope | What it lets you do |
|---|---|
billing.claim.read | View claim relationships |
billing.cob.read | See the COB waterfall |
billing.receivable.read | Watch posting effects |
The waterfall
At each level, the platform computes:
residual = billed − sum(payments) − sum(contractual adjustments) − sum(prior-payer impact)
Patient AR doesn't "fill" until the chain completes for that line.
Why primary's PR-* doesn't immediately bill the patient
When a member has a secondary, the primary's PR-* is expected to
move down to the secondary. The platform:
| Action | When |
|---|---|
| Holds the patient AR routing | Until secondary submits / adjudicates. |
| Releases to patient AR | If secondary genuinely doesn't cover. |
| Closes the line | If secondary fully covers the residual. |
Tenants without held-routing (the simpler model) post PR-* immediately
and reverse later if secondary covers. Read your tenant's policy.
Reading the COB tab on a claim
/claims/:id → Relationships → COB waterfall:
| Section | Contents |
|---|---|
| Primary | Adjudication summary + residual. |
| Secondary | If applicable; same shape. |
| Tertiary | If applicable; same shape. |
| Patient AR | Final residual, who's on the hook, what's been paid. |
The shape repeats per claim line where applicable.
Working a stuck COB chain
Common patterns
| Pattern | Read |
|---|---|
| Secondary built immediately, paid the residual | Standard happy path. |
| Secondary built, pended for medical review | Tertiary doesn't auto-trigger; track follow-up. |
| Secondary denied for "no primary EOB attached" | The 837 to secondary lacked the primary CAS — re-check the build. |
| Tertiary built unexpectedly | Member had a tertiary the COB tab missed; verify Coverage. |
| Patient AR shows full liability while secondary still pending | Tenant policy is "release immediately"; will reverse on secondary post. |
Validation
| Check | Expected |
|---|---|
| Primary post triggers secondary build (where applicable) | Yes. |
| Secondary 837 carries primary CAS / AMT*F2 | Yes (visible on Submission tab). |
Tertiary auto-triggers after secondary PAID/PARTIAL | Yes. |
| Patient AR equals final residual after chain completes | Yes. |
Troubleshooting
| Symptom | Cause | Fix |
|---|---|---|
| Patient is being billed for amounts secondary should cover | "Release immediately" policy; secondary hasn't paid yet | Wait for secondary 835; balance will reverse. |
| Secondary built with wrong primary CAS | Primary's CAS wasn't snapshotted correctly | Reverse + rebuild secondary; investigate. |
| COB tab shows tertiary but member has only two coverages | Stale member record | Refresh eligibility; re-snapshot COB. |
| Long-pended secondary | Payer's queue | Send 276 inquiry on the secondary claim. |
Where to next
- 7.3 — Statements — when patient AR turns into a statement.
- 3.5 — Secondary & tertiary COB — the underlying mechanics.