What would you like to do?
It really depends on the plans but most plans use the date of birth rule. Who ever's birthday is first would be the company that pays primary, then the later birthday would be secondary.
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If you lose your job and primary health insurance but are also covered through your spouse's group plan are you still eligible for COBRA?
That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifical…ly say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does not relate to you (ie. pregnancy is a pre-ex but you are not pregnant) then you are not eligible. If the spouse's coverage is individual coverage and not group you are still eligible for Cobra.
If you have insurance with your employer and your spouse has insurance on you also which insurance is the primary?
If both you and your spouse have full medical coverage then the insurance compnay will revert back to your and your spouse's date of birth. Whoever's birthdate is first in a …calendar year, then that is the primary insurance. For example, if your birthday is November 1, but your spouse's birthday is February 12, then your spouses insurance is primary for both of you.
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 rat…es that are similar, this might result in a small additional payment. Some secondary insurance or health plans might pay up to their maximum -- in addition to what the primary pays, which would result in a higher payment against a claim.
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 b…y the effective date of coverage will pay their portion of the bill and the second insurance company will pay the balance. This 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.
Yes, A person can take multiple health insurance plans form same company or from different company. In fact it is a good idea to take two health plans from different compa…nies and diversify.
Yes, one will pay primary and one will pay secondary. Secondary: a policy that pays the provider's leftover medical bills. Some might still exclude the payment towa…rd bills assigned to meet the primary policy's deductibles or copayments so you have to ask. This happens for instance if a husband or wife covers their spouse on their insurance but he/she also participates in their employer's plan. The spouse's coverage would pay the bills after their own medical plan paid.
Who is considered the primary and who is the secondary medical insurance for child living with mother and step father but also has coverage through father?
Unless mentioned in the divorce decree, the birthday rule should apply.
No, an insurance company will generally not use the availability of employer-sponsored health insurance as a criteria in determining your eligibility for a private policy. A…gent http://www.anyhealthinsurance.com
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
What happens if you are in a car accident your insurance ran out two weeks ago and your not the primary insurance policy holder on the car?
The driver of the at-fault car is responsible for paying for the damage they cause to others in an auto accident. Having insurance transfers this risk from the driver to… the insurance company. If you are found at-fault and do not have insurance you will be responsible for paying out of your own pocket for the damage you caused. If you do not have the money in the bank, or the assets to sell, be prepared to have future wages garnished. If this happens you may want to consult a bankruptcy attorney.
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.
In the private benefits market, 97% of all dental benefits are provided under separate policies of coverage by carriers that specialize in dental benefits. Why? Dental… has a separate set of procedure codes for billing treatment and dentists typically practice in a solo or small practice setting focused on dentistry. And dental disease is limited to two main categories--tooth decay (caries) and gum disease (periodontal disease). As a result, it takes focused knowledge, IT systems and outreach to dental offices to develop and administer dental benefits. If a medical plan includes any dental benefits in a health policy, those benefits are usually very limited, i.e. a small reimbursement for a dental office visit and perhaps for filling of cavities. Dental policies typically have broader coverage.
In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accid…ent and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
Depends on the age of your son & whether you signed the financial responsibility at the time of treatment. If they are a minor and/or you signed that you would accept responsi…bility...yes.
In theory, yes. For example, health insurance might be offered to each of husband and wife through their employers. If, for some reason, both accept the insurance, they are ea…ch, again in theory, covered by two policies of health insurance. That said, heath insurance policies routinely contain "coordination of benefits" provisions which anticipate situations like this. Those provisions allocate responsibility for the covered expense between the insurers. In no event can either the insured or the health care provider collect twice, because the purpose of the insurance is to assume the responsibility for paying the expense, rather than to allow either party to profit from it.
yes, why not