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If you have insurance with your employer and your spouse has insurance on you also which insurance is the primary?
Wiki User
∙ 11y ago
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.
Wiki User
∙ 11y ago
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If insured by your employer and your spouse's employer which is the primary insurance?
Your insurance through your employer is your primary insurance, and your spouse's primary insurance is through his/her employer. If both husband and wife are insured on both insurance policies, then you have primary and secondary coverage. But you will still have to pay any deductibles and co-pays before either policy will pay. The deductible is the amount you first have to pay (usually at the first of the year) before the insurance will pay anything. The co-pay is your percentage of what the insurance doesn't pay, which for many health insurance companies is 80% for them and 20% for you. There is sometimes a co-insurance that you have to pay also. Ex: Insurance companies have a set amount that they pay for any office visit, procedure, etc. If the bill is over what the insurance pays, then you are responsible for the balance.
Can an employer refuse insurance coverage to a same sex spouse?
Not in the United States or Canada, unless the employer also refuses insurance coverage to opposite-sex spouses.
Can your employer's health insurance require your husband to take his employer's health insurance if his is not free and not as good as yours?
My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance. Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to. Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO. If a company offers a family health plan, they CANNOT specify that a spouse take other insurance if available. They CAN require that if you are declining coverage from them (your own employer), that you show you have coverage elsewhere.
Is Medicare primary when the spouse is still working or if the Medicare beneficiary works?
Medicare is primary if you work for a company with less than 20 employees. It would also depend on if the spouse is covered under the employer group health insurance. For more info. see www.SteveShorr.com/medicare.htm I recommend you visit www.cms.gov. to answer your question, If you are not 65+ years old, completely disabled, or both, and your spouse is employed by a company with 100+ employees, then your spouses insurance is primary. However, if you are disabled, 65+ yrs old, or the company your spouse works for has less than 100 employees, then your medicare would be primary.
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 employmentsee this linkhttp://questions.cms.hhs.gov/cgi-bin/cmshhs.cfg/php/enduser/std_adp.php?p_faqid=871
If the spouse is not a beneficiary of the estate are they still responsible for medical expenses?
The estate has the primary responsibility. Depending on the insurance, they may also have a responsibility.
What does working spouse rule mean?
The term "Working Spouse Rule" refers to some employer provided medical insurance plans. These types of plans require that if the employee's spouse works for a company which also offers medical insurance benefits, that spouse must be enrolled in that plan. This means that if your spouse is employed, and his or her employer offers medical and/or dental coverage, the spouse must be enrolled for at least individual coverage in that company's plan, regardless of cost, in order to be covered on a secondary basis under your medical and/or dental plan.
What does secondary insurance pay?
Secondary: a policy that pays the provider's leftover medical bills. Some might still exclude the payment toward 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.
My son receives Social Security disability and Medicare. I also carry him as a dependent on my group health insurance through work. Which insurance (group health from my employer or Medicare) is his primary insurance?
In most cases, Medicare is the primary insurance for those who have it and are also covered by other types of insurance, like a group health plan. The group health plan would then typically serve as secondary insurance to cover costs not paid by Medicare. It's best to check with both insurance providers to understand how they coordinate benefits for your son's situation.
How can an employer cover spouse and kids on health Insurance and then a year later say that the children are not covered because the other spouse has insurance coverage on the children?
Only one company can pay out on the health insurance so it is a waste of money being insured twice, and also it will save you the tax you are paying on the premiums.
Can you be on two health insurance plans?
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 toward 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.
If you start a new job that offers insurance do you have to sign up if you already have coverage through your spouse?
No...But you should use it to pay your deductible on the 1st insurance policy. Your Benefits manager will explain. Is it free?AnswerIt depends on the company you are going to work for... sometimes all employees are required to be on the company's insurance policy to reduce the costs for the entire group, or company. However, usually you can select " deny coverage" because you are on your spouse's insurance. Another added benefit of doing this is you MAY be able to have the company add to your pay check the amount that they would used to cover the insurance benefits. For example, I waived insurance through my employer, so they added an additional $50 to each pay check (the amount that the company WOULD have used for my insurance benefit). Also consider that if your spouse changes jobs, then that is consider a "change in status" and you can get onto your company's insurance without waiting for an "enrollment period". If your company makes you be on their insurance, then you can keep both insurances and be "double covered", however the primary insurance will be the one through your employer, not your spouse. Hope that is helpful.AnswerIt can also depend on the laws of your state. If an employer plan in CA says that the employer pays 100% of the premium then you can not decline coverage so in this circumstance yes you would have to take the coverage.
