If the father is primary based on birthday and the mother is secondary is it legal for the mother to use her insurance as primary by not telling the provider about the father's insurance?
No, it's fraudulant. It's not practical, the secondary insurance should pay the remainder of the cost the primary insurance doesn't cover.
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Primary and Secondary Coverage It may depend on your local regulations but typically which policy is primary is dictated by law and by the terms of your insuring contracts. The default is as follows. Exact Same coverages on both policies / Duplicate coverage The policy with the earliest effe…ctive date is Primary unless the second policy was intended to replace the first. Policies with different coverages. The Policy which has the broadest coverage will be considered primary. ___________________________________________________________ Designating Primary and Secondary Insurance Coverage Here are opinions and answers from Wiki s Contributors: . Since it was court ordered for their mother to provide health insurance, I believe that that insurance would be considered primary...yours would be secondary. I had a similar problem before and a few people told me the same...so sorry their mother's health insurance would become their primary coverage. . Would your ex-wife be willing to pay for the kids' coverage directly to your insurance company? By paying directly to the company, this avoids "power plays," and she might not feel as resentful about the situation. Plus, you could let her know that you would pick up a rider policy that she can use when she has the kids. That way, you both have 100% coverage on your children. If the insurance is paid through your employer, talk to your lawyer first and see what creative options he/she's seen done in these type of cases. If you're going to pay for insurance regardless of her converage, maybe she can pay you a slightly higher child support payment (assuming she has to make one) and you would then be responsible for insurance as long as you are capable of working. In my personal experience, all it takes is an addendum page drawn up by your lawyer, and then submitted to both her and the courts. The courts will accept almost any agreement within reason as long as it is beneficial for all parties including and especially the children. I wouldn't give up on this especially if both of you are making insurance payments. If your ex-wife is able to speak coherently to you at all, you should be able to resolve this by using the reasoning that you are trying to get the most coverage for the children while maintaining current, established medical relationships with their medical personnel, namely their pediatricians and their staffs. If she can understand that a divorce is hard enough without adding one more change, she will be willing to work something out especially if you are willing to pay for insurance regardless of what she does. That shows her that you are serious about this and that it's not a power play. Good luck to you. I know how hard divorce can be on everyone. Luckily with time, it does get better and easier. . If you are married, both have medical insurance and have children, you would follow the "birthday rule". The parent with the birthday that falls earliest in the calender year (no matter what the birthyear is) would be the primary insurance. For example. Mrs. Smith was born May 3, 1945 and has Blue Cross that she has carried for 15 years. Mr. Smith was born June 10, 1939 and has had Aetna for 20 years. The primary insurance would be Mrs. Smith's policy as she was born on May 3rd which comes before June 10th. If both parents have the same birthday (it does happen), then you defer to the policy that has been in place the longest. So, if Mr. And Mrs. Smith had the same birthday month and day, then Mr. Smith who has had insurance for 5 more years than Mrs. Smith, would have the primary insurance policy. . The birthday rule above does exist, but court orders supercede the birthday rule. Only use the birthday rule if there is not a court order involved, like a current husband and wife both cover their children under their employer's insurance. The idea about dropping one of the insurances and just having her pay the cost is a good one. Most court orders just say who has to pay for the insurance, not how it is provided. . No. Here's the rules from Delta Dental's Web site: What is dual coverage? If you're fortunate enough to be covered by two dental plans, you have what is called dual coverage. Dual coverage doesn't mean that your benefits are doubled. What it does mean is that you will likely enjoy lower out-of-pocket costs for your dental care. Dual coverage works the same way whether you are covered by two Delta Dental plans or by Delta and another carrier. Delta Dental simply works with the other dental carrier to coordinate your benefits. Who is the primary carrier? The first or primary carrier is the one that covers you as a primary enrollee (e.g., your employer rather than your spouse's employer). If you have two jobs, the plan that has covered you longer is considered primary. For your children's coverage, the primary carrier is generally determined by the birthday rule: coverage of the parent whose birthday (month and day, not year) comes first in the year is considered to be your children's primary coverage. The birthday rule may be superseded by a divorce agreement or other court ruling. How does dual coverage work? Suppose, for example, that both of your plans provide two cleanings a year, each with 80 percent coverage. The primary carrier pays 80 percent, and the secondary carrier usually covers up to the remaining 20 percent that you would have had to pay out-of-pocket if covered by only one plan. You would not, however, be entitled to four cleanings per year. Why not twice as many benefits? Why don't you receive double the benefits when you have two dental programs, especially if your dentist recommends that you receive more than two cleanings per year? Dual coverage limitations, like all other program limitations, are built into your group's contract and into the rates your group pays for your coverage. These contracts are set up to provide affordable dental care to a maximum number of people. Given the choice between doubling one individual's benefits or providing a greater scope of benefits to more people in the group, most group purchasers choose to spread their benefit dollars more evenly. What if you have non-duplication of benefits? For groups with a non-duplication of benefits rule in their plan, the secondary carrier pays only the difference between what the primary carrier actually paid and what the secondary carrier would have paid if it had been the primary carrier. For example, if the primary carrier paid 80 percent and the secondary carrier normally covers 80 percent as well, the secondary carrier would not make any additional payment. However, if the primary carrier had only paid 50 percent, the secondary carrier would pay up to the remaining 30 percent. Dual coverage saves money for you and your group by sharing the total cost of dental benefits between two carriers. Containing costs is an important part of Delta's plan to keep you smiling. Sample coordination of benefits: Procedure Primary carrier pays 80%, Cleaning $80 $64 $16 $0. . When it comes to children, it falls under the "Birthday Rule". The parent whose birthday comes first is primary. For example if mom is January 1,1952 and dad is February 2, 1951, then mom would be primary. The primary plan is responsible for paying covered expenses up to the limits of the policy. If any unpaid costs are left over, the secondary coverage kicks in. The birthday rule is often used to determine which plan is primary and which is secondary. Under this rule, the plan of the parent whose birthday occurs first in the calendar year is designated as primary. The date of birth is the determining factor-not the year-so it doesn't matter which spouse is older. Like most rules, the birthday rule has exceptions: If both parents share the same birthday, the parent who has been covered by his or her plan longest provides the primary coverage for the children; If one spouse is currently employed and has health insurance through a current employer, and the other spouse has coverage through a former employer (e.g., through COBRA), the plan belonging to the currently employed spouse would be primary; and In the event of divorce or separation, the plan of the parent with custody generally provides primary coverage. If the custodial parent remarries, the new spouse's coverage becomes secondary. And finally, the non-custodial parent's plan would provide a third layer of insurance protection. This order of payment can be altered by a court-issued divorce decree or by agreement, but the insurance companies must be notified. Keep in mind that these practices are common among insurance companies, but they are not governed by law. Practices may vary from one insurer to another. Read your policy carefully to make sure you understand how your insurance company handles dual coverage. If the policy language is unclear, ask for help from your employer's benefit specialist or your insurer's customer service department. . Here's the 43 page booklet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf. . The answer simply put is no. the order of liability is determined by general rules (such as the birthday rule) or by a court order. In the case of dual coverage through a single individual (someone with two jobs) the effective date determines which is primary - I've never come across a situation where someone could choose themselves. . The question is not specific enough. Coverage for yourself or for your children? This can get really tricky and no you cannot designate coverage - it's dictated by the insurance coordination of benefits rule written in the employer's contract when they sign up for coverage. Here are a few scenarios: 1. If you are the insured and have coverage through 2 different employers rule is the employer that you have been with the longest will be primary. 2. If you have coverage through your work and your spouse's work then yours will be primary - ALWAYS...NO EXCEPTION. 3. If you have government coverage like Medicare or Medicaid and also have private insurance from work then again your work insurance will be primary and government insurance secondary. 4. If children have coverage through both parents and they are not divorced the birthday rule takes effect. Whoever birthday comes first that's primary. 5. If children have coverage through both divorced parents then primary is the parent with whom they reside. If they have 50/50 custody then the birthday rule applies again. These terms are usually dictated in the contract between the insured and the specific insurance company. Hope it helps. (MORE)
If divorced parents both carry insurance and father's is primary can the mother file hers as primary?
Just file and when the question asks about other coverage - answer it honestly. I see so many questions on this site about primary - secondary and don't understand all the confusion. Just fill out the forms and wait for payment. I've search all over the Insurance Code http://www.leginfo.ca.gov/cgi…-bin/calawquery?codesection=ins&codebody=&hits=20 and Westlaw and haven't found the rules on which company is primary, other than Medicare in groups of over 20. I've been in the business 20+ years and haven't found it to be a real issue. The birthday rule applies here. If the fathers month and day of birth falls before the mothers than he will pay as primary. If the mother submits a claim and the insurance company pays as primary and it turns out that they were not, the will and can ask for that money back, up to and including the involvement of a collection agency. Most insurance companies have an automatic system that automatically flags a dependant that may have the possibility of other coverage. (MORE)
Will secondary insurance pay the co-insurance amount of primary insurance if you have met the deductible in secondary insurance?
Answer . You're going to have to look at your policy or brochure to see what the provisions are.\n. \nFor more details see www.steveshorr.com/supplemental.htm.
Yes. If you are working are you STILL eligible to be on your dads coverage? For more info. see http://www.steveshorr.com/dependent.definitions.htm
Are health care providers obligated to accept payment from a secondary insurance at their fee schedule when the provider does not participate with the the patient's primary insurance?
Answer . \nIt has been my experience that providers of health care are not obligated to accept secondary or even primary insurnace coverages if they are not under contract with that insurance company. I believe they are free to accept no insurance coverage at all and demand "cash" up front if th…ey so desire. This would leave it your responsibility to sent the bill to your insurance(s) carrier(s) and get direct payment assuming they cover out of panel care. Some providers can not refuse you care even if you had no insurance but you would be responsible for the cost of care. (MORE)
Answer . \nAs long as it is a covered expense by your secondary insurance and a claim has been filed with the primarty insurance then the answer is yes. The secondary insurance will only cover the expense according to your plan.
Answer . \nWere they a named insured in the Household? By most companies, if you are rated in the household, you may drive any vehicle in HH.. Answer . \nYes, coverage should still apply to the vehicle however I would try to get the title of the car changed out of the name of the deceased par…ty's name as soon as possible. (MORE)
Depending on your coverage, your primary insurance will cover 80% of your charges, minus your deductible (if not already met). Your secondary insurance will pick up the remaining 20% co-insurance and your co-pay, if you have one.
The secondary insurance cover both pays and co-pays of the primaryinsurance depending with the insurance company.
If you are on two medical insurance plans and the primary will not pay for a prescription can the secondary be used to cover it?
Answer . Depends what the 2nd policy pays for. Doesn't hurt to send in the claim forms. Try reading the policy or brochure.
Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or sec…ondary is established by a shared rule between insurance companies. It is not the policy holder's choice. Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy. (MORE)
Answer . first you should obtain the explanantion of benefits from your primary. it should indicate what the write off amount is. if you're not sure, call the insurance company and ask them. then do the same with your secondary. the secondary insurance will consider the amount allowed by the …primary and will usually base their benefits on that. if you are lucky, between the two, you should have little out of pocket expenses. (MORE)
Can the secondary insurance provider deny a claim that was not filed with the primary insurance provider first?
\n. \n Answer \n. \nLet 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:)\n. \n . \n Yes.\n. \nA claim must always be made with the primary insurer first. (MORE)
If you have medicare and your spouse also has you as a dependent on their insurance which is primary and which is secondary?
Medicare is primary unless you are working and have coverage thru your employer. Coverage thru the spouse's employer would be secondary to your own Medicare coverage. NO. The answer posted above is incorrect! Medicare is Secondary. Medicare is secondary when : -The individual or his/her …spouse is currently employed/working and covered under an employer group health plan as a result of current employment see this link http://questions.cms.hhs.gov/cgi-bin/cmshhs.cfg/php/enduser/std_adp.php?p_faqid=871 (MORE)
Are health care providers obligated to accept payment from a secondary insurance with whom they participate when the provider does not participate with the patient's primary insurance?
Yes they will have to accept payment from the secondary insurance, however they will have to bill the primary provider first.. What ever the primary insurance does not cover should be covered by the secondary insurance.. However, it will depend on the service being provided and the contracted amou…nt that each insurance has agreed to pay.. If the primary pays more than the secondary would have paid -there may be a refund due.. However, there may be co-pays and deductibles to be met with both insurance policies.. There could also be write downs--- you should only pay the lesser amount. the provider may have to take a loss if one insurance has a lower contracted amount (MORE)
The subscriber whose birthday comes first in the year is primary. The year is not considered. So a subscriber with a January 1 birthday is primary over the subscriber with a January 2 birthday. Hope this helps.
Not necessarily; a secondary insurance policy or plan might only provide additional benefits up to the maximum that it will pay for a specified service. If both plans have rates that are similar, this might result in a small additional payment. Some secondary insurance or health plans might pay up t…o their maximum -- in addition to what the primary pays, which would result in a higher payment against a claim. (MORE)
You have Medicare as primary insurance and BCBS as secondary insurance Do you pay the copay on the secondary insurance?
The answer to this question depends on what kind of secondaryinsurance you have - is it a group health plan? Is it asupplement? . If Medicare is primary, there are still deductibles, copays,coinsurance that would need to be satisfied by your secondaryinsurance. . Based on your question, I'm assumi…ng that you have a group healthplan with a copayment as your secondary insurance. If so, then yes,you would pay your copayment but it would not exceed the part Bdeductible. (MORE)
i would call a few lawyers right away, most usually give a free, brief consultation on the phone...call more than one, to make sure you get the kind of information you want, (you may have to ask the first lawyer what kind of lawyer you need, as they specialize in different areas, or scan the yellow …pages for mention of 'insurance-related' cases)...or call legal aid (see the govenment pages of your phone book, may be under a different name, try 'justice' or 'law'). there may be a 'consumer protection' listing in your government pages as well, where they could help you find out what to do in case of an insurance company trying to defraud the beneficiary of the policy...this happens fairly often... here is the website for a Canadian insurance lawyer; http://casselsbrock.com/profiledetail.asp?Sid=66 (MORE)
Answer . It depends.. If there are just the two of you, you are 'primary' on your own policy, and your spouse is primary on his/her own policy. By default you would be 'secondary' on your spouse's policy.. If the two of you have kids, you can elect either of the parents' insurance carriers to …be primary, but you must do this officially, by filing the proper records with the carrier who you want to be primary. Typically, you need to decide which policy will be primary for the kids each year, as you will need to add the kids to one of your policies. You make this choice by reviewing both policies' coverages, copays and costs. The other policy, by default, then becomes secondary.. If you just had a child, you should call your human resources department and/or health insurance company to work out the details and get the child properly insured. (MORE)
You could have two insurance companies pay the same medical bill or claim for a date of service through a process of subrogation where the first insurance company determined by the effective date of coverage will pay their portion of the bill and the second insurance company will pay the balance. Th…is process is called coordination of benefits. Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice. Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy. Secondary insurance should not be confused with supplemental insurance. Supplemental policies usually abide by the primary insurance guidelines. If the primary allows the charge, the supplemental will allow the charge. Most supplemental policies cover the charges you would normally pay out of pocket. For example: A Medicare supplemental policy would cover the 20% coinsurance left over after Medicare pays 80% of the allowed amount. (MORE)
Can you change your secondary insurance to primary insurance if your coverage is better with the secondary insurance?
In most cases no. You can not chage due to better coverage. 90% of insurance companies, if not more, have what is called a birthday rule. Meaning if you have dependant children on the policy the guardian who was born first (or who is older) is the primary carrier for the dependant children and the y…ounger of the two guardians is the secondary carrier. If you were to have coverage through yourself and a spouse you would be your own primary, as would your spouse be their own primary. If you are the carrier for both insurances then it would all depend on your plan provisions and restrictions, in which case you would have to question each insurance company as to how they would handle determining what insurance is primary and what insurance is secondary. (MORE)
Yes, and you want them to because if they are paid out of order then it will be a mess to correct.
If I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?
Cobra is available to those without insurance. Fortunately you have primary insurance and this would be useful.
A copay is a "set" dollar amount you pay at the time of treatment. For instance, a $35 doctor copay. If you have level one doctor visits, you pay nothing more than the $35 doctor copay. Co-insurance is the percentage you share with the insurance company after your deductible has been met. When you h…ave two policies - your primary insurance will pay first (subject to deductible and co-insurance), and then your second policy starts with the balance left from the primary policy (subject to deductible and co-insurance again).. For instance a primary policy with a 5,000 deductible and 80/20 co-insurance of $5000.. Your bill for surgery is 6000. You pay 5,000 + 20% of $5000 (1000) = $6000.00. Your balance of your surgery bill is 0 (MORE)
When you have a primary and secondary insurance will the co-pay from your primary insurance be paid by the secondary insurance?
I have insurance paid for by my employer (primary) and through my husband's employer (secondary). In my experience, I have never had to pay the copay required by my primary because it is covered by my secondary. When I first got married, 2 years ago, I still paid the copay, but the doctor's office w…ould always send me a check for the copay a month later because the secondary paid it. (MORE)
If the parents have joint legal and physical custody of the child but the mother is the primary custodian can she move the child to another school without the father's consent?
It basically depends on where your considering on putting the child, is it within the same school district? Has the custodial parent moved to another home which has a new school? There are rules within schools nowaday and having to get permission to keep them within the same school if you have moved…. (MORE)
If a husband and wife both have dental insurance through their employers, the employee's insurance is primary when the employee is the patient, and it must pay it's benefits. The spouse's insurance is secondary, and will only pay once the primary insurance has paid. Depending on how the policy is wr…itten, sometimes the secondary insurance will pay any residual fees up to the annual maximum. Sometimes the secondary insurance only pays if their fee schedule allows higher fees than the primary insurance. This assumes that each spouse is named as a dependent on each other's policy. Ask the insurance coordinator at your dental office to what benefits are available between the two policies. (MORE)
If secondary agreed upon insurance is lower than the primary insurance agreed upon price which one can the provider bill the paitent?
Primary has to process and pay claims first then secondary will process and pay leftover expenses according to their policy provisions. The secondary sometimes excludes payment towards a primary policy deductible.
If financing and registering a car in your name for your mother-in-laws primary use can she get insurance to cover the car?
No. The person whose name is on the legal title must insure the vehicle. The mother-in-law should be rated as the driver, but if your name is on the title, you must insure it.
Can you have the same primary name on two health plans Not primary and secondary insurance coverage?
vehemately you can .but of your own disadvantage because you will be required to pay pramuim to different insurance company but will only be compaseted the actual amounth you need so doing that will be of no value
Primary insurance coverage is what is first used when a medicalservice is being rendered. This is what will be billed first.Secondary insurance is supposed to cover what the primary insurancedoes not.
As a provider i file primary insurance. do I have to also file secondary insurance after primary pays?
You should or you customer WILL be PISSED for having to do the leg work of getting the information of what the primary paid and getting it to their secondary.
Medicare is primary if your group is under 20 lives. 20 lives ormore and medicare is secondary to your employer paid group plan.
yes, they will treat it as if the primary was a different company. You pay two premiums. If they do not, contact the DOI.
Research the Laws for your state.. most daycare centers have a pic up list and a do not pick up list. this list is for the parent to include names of a person or people who can or cannot pick up a child. that is arecord the daycare should have on record so if the person how is not on the pick up l…ist tried to pick up the child the daycare can tell the person " I am sorry but i cannot release the child to anyone who is not on the pick up list" this can be very helpful if the person decides to call the police.. However...... if the other parent who will not be allowed access to pick up the child has joint custody it can be a problem. keep in m ind in the day care center your child is nto the only child there so it shold be established who can and cannot pick up the child as soon as possible. parents can become irate and violent even in a daycare if they are denied a right they believe they have. (MORE)
Is it required to make a primary dental insurance adjustment if the dentist is a preferred provider before submitting a claim to secondary insurance?
You wait until both claims are received then write off the lesser of the two amounts
Put simply, yes, you can buy travel insurance or travel health insurance without primary insurance. That's just as well, as your primary insurance may not cover you (or cover you completely) when you travel overseas.
When a DPPO is primary coverage, the charges paid by the patient are based on the agreed DPPO discounted fees--not the DHMO schedule of charges. The dentist would bill the DPPO for the procedures performed. If the dentist is in the DHMO network, he or she would also get his or her regular capitation… payment for that patient. (MORE)
The answer to that question depends on a few things. 1. Group insurance policies are always primary over personal or self bought policies...ie You work for ABC company. You have insurance thru them (group policy) and you also pay for an individual or personal policy. Your policy thru ABC would be pr…imary 2. Government insurance (except for medicare) is always 2nd...ie Tricare, medicaid, and etc. 3. An active policy is always primary over a retiree policy. For example John retired from ABC company and has insurance thru them. He currently works for DCE company and has a policy thru them. The DCE policy would be primary and the ABC policy 2ndary 4. If you are retired and have medicare. Then medicare is primary but if you are actively working your group insurance would be primary. 5. When it comes to children the order is 1. Parent who's birth month comes 1st if both parents are born in the same month it goes by the day (the year doesn't play a role in this) 2. If parents are divorce it goes by 1. court order if not applicable goes by who has custody is primary this includes step parents. The step parent who has custody of a child, their insurance is primary. There are a few other rules when it comes to who is primary...when in doubt contact your insurance company (MORE)
Medicaid is always the payor of last resort. Before a Medicaid agency pays a bill for a Medicare beneficiary, they require documentation that Medicare has "adjudicated" the bill (i.e., decided whether to make payment and, if so, how much).
What can a mother that has primary placement do if the father who has secondary placement will not give the child back?
Call the police. If his visitation period (as outlined by court order) has ended and the order says the child should be in the mother's custody, and he will not return the child, it is kidnapping or custodial interference. You should also call your lawyer. You might need to make a motion to modify… the custody agreement to prevent this sort of thing from happening in the future. (MORE)
It is usually written in an insurance policy if the policy is primary or secondary. If both policies have language that makes them secondary if other insurance is present then they may split the amount owed. State laws may change this.
We have Medicare and added on Anthem. Does that mean Medicare is primary (Paying 80 percent) , and Anthem is secondary?
Absolutely. I'm not sure what type of insurance you are talking about in particular but you are always required to tell insurance companies of other carriers that may have some liability in a claim. It is illegal to make money from a claim in this manner. Be very careful about items like this that c…an get you into a great deal of trouble with a felony charge of insurance fraud. (MORE)
Yes. The great thing about HRAs is that they can work pretty much however you want them too.
Does the mother have to provide father with a health Insurance card for child if it is her Insurance?
As a practical matter, if there is joint custody, Dad should have a copy of the ID card. The child would not be turned away from a hospital or a doctor's office, if he did not have the ID card handy. But, having it will help everyone, including you: the caregiver won't have to chase you down later… to straighten out the bills. (MORE)
Within each policy there is a clause called the coinsurance clause which will spell out which policy will be primary and which is secondary. I assume that you are referring to health insurance and not any other type of insurance as this occurs mostly in health insurance cases. There are different me…thods of determining this so that is why I have to refer you to your specific policy. Some of the method can be: which policy started first, which policy owner has the earliest birthday during the year, and there are a few more methods. In any case the insurance carriers will determine which is primary. This will result in which policy pays first and which policy pays the remainder. The total paid by both companies can never exceed the amount of the bills so you cannot benefit no matter how many policies you have. It is illegal to profit from insurance payouts like this. (MORE)
Of course, otherwise what would be the medical coverage for adoptedchildren. If that person has no custody of the child, then probablynot. That would be similar to a man and woman not married livingtogether and one of them attempting to get coverage for the other.
What happens when your primary insurance does not have a hospital in network but your secondary insurance does?
File a claim with both companies. The companies will pat what they are supposed to pay.