Yes, under the standard Coordination of Benefits provisions contained within Group Health Plans, the "rules" to determine which coverage pays first (primary) are clearly stated. Also, a plan can contain a provision that states if a spouse is eligible for coverage as an employee and chooses not to take that coverage, the other plan can deduct the amounts the other plan would have provided (even if the spouse did not elect the coverage).
yes, they will treat it as if the primary was a different company. You pay two premiums. If they do not, contact the DOI.
To remain competitive with other employers for good employees.
Let me tell you what happend to me. I hope that this helps. I used to be covered by two insurance companies. My primary insurance company was through the company that I worked with. My secondary was with the company that my husband works with. When a claim was filed with my secondary insurance company they wanted to know how much my primary insurance company paid for and until then they would not pay anything. So I had to submit to my primary insurance company and once they paid some then the secondary would. I hope that this helped:) * Yes. A claim must always be made with the primary insurer first.
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
It can be your primary doctor or a doctor that the life insurance company chooses.
Yes, you can decline the benefit. Speak to the insurance company about how.
What is the question
Primary insurance agency, these people will take care of you and it's not pricey and they are willing to work with anyone's budget. www.primaryinsuranceagency.com
no
Yes. Whose birthday comes first in the year is the primary insurance policy.
No, They can not
It's a very delicate question. In my opinion, Insurance Company will pay the next legal heir and waiting for the primary beneficiary to come out from jail is impractical. Contingent payment is the total discretion of the Insurance Company.