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Working Aged insurance is primary.

  1. Submit a claim to the primary insurance.
  2. If you receive a payment from the primary insurance, submit a Medicare Secondary Payer (MSP) claim to Medicare.

The following screens illustrate the required MSP codes. Place your cursor on the highlighted area(s) to view detailed information.

Working Aged

Enter any Condition Codes or Occurrence Codes that apply to the claim. The following codes are required on MSP claims (when applicable).

Enter any Value Codes that apply to the claim. The following codes are required on MSP claims for this scenario.

  • Value Code 12 (Working Aged) and the amount paid by the primary insurance as indicated on the primary payer's Explanation of Benefits (EOB)
  • Value Code 44 and amount (if you are contractually obligated to accept an amount less than the total charges and higher than the payment received as your payment in full).
Working Aged

Line A = Primary Payer: Enter Payer Code A (Working Aged), the primary insurance name and provider number (as it appears on the Common Working File (CWF)).

Line B = Secondary Payer: Enter Payer Code Z, Medicare and Medicare provider number.

Working Aged

All MSP claims require Claim Adjustment Segment (CAS) information. Enter the information as it appears on the primary payer’s EOB. If the information does not appear on the primary payer’s EOB, reference the Washington Publishing Company website for a list of valid CARC codes and the CAQH website for the current version of the CORE Code Combinations.

  • Paid Date: Enter the date shown on the primary payer’s EOB.
  • Paid Amount: Enter the paid amount shown on the primary payer’s EOB.
    NOTE: This amount must equal the dollar amount entered with Value Code 12 or 43.
  • GRP: Enter the Group Code shown on the primary payer’s EOB.
    • CO - Contractual Obligation
    • PI - Payer Initiated Reductions
    • OA - Other Adjustment
    • PR - Patient Responsibility
  • CARC: Enter the Claim Adjustment Reason Code (CARC) shown on the primary payer’s EOB.
  • AMT: Enter the dollar amount associated with the GRP and CARC code combination.
    • PAID AMOUNT + AMT (adjusted charge for each GRP/CARC combination) = Total Charges
    • If Value Code 44 is billed, the AMT field must = total charges - the VC 44 amount.
Working Aged

Line A = Primary Insured: Enter the name of the employee who receives the primary insurance, patient's relationship to the insured (see below), the primary insurance policy number, the primary insurance group name and number (as it appears on the CWF).

Line B = Medicare Beneficiary: Enter the Medicare beneficiary's name, gender, date of birth, patient's relationship to the insured (see below) and Medicare Identifier (MID).

Working Aged

Enter the primary insurer's address exactly as it appears on the CWF.

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