A patient has primary insurance copay $ 10 for Dr’s office visit
Their secondary insurance copay is $ 25 for Dr’s office visit
How much does the office charge the patient at the time of her appointment?

My understanding is after the primary insurance’s remittance advice is submitted to the secondary insurance with the claim form, the secondary will pay 100% after their $ 25 copay is met. Based on this rule (that I might be wrong about) the patient should pay a $ 10 copay at the appointment.

Thanks in advance for any advice.