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Who determines which insurance is primary and which is secondary if you have 2?
Wiki User
∙ 10y ago
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 methods 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.
Wiki User
∙ 10y ago
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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 would always send me a check for the copay a month later because the secondary paid it.
You have two full time jobs and you get insurance from both would they both be considered primary?
Only one can be the primary and the other the secondary. Choose the best for your primary and the lesser coverage for your secondary. With 2 insurance policies, you shouldn't have to pay for anything, unless the healthcare isn't included in either policy.
Do you need to obtain prior authorization from your secondary insurance even if the primary insurance will be billed first?
Your secondary insurance has different PA criteria than your primary insurance. A PA means that your insurer will only cover a service under certain circumstances; company A may cover a service for 3 conditions and company B may only cover the same service for only 2 conditions. Your primary could pay and your secondary may not.
Is it possible for an insurance company to deny your claim because you have a primary and they can not be a secondary?
Conference the 2 claims reps together and let them Duke it out!
Can you designate which of your insurance is secondary and which is primary?
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.
A combination of 2 primary colors?
A combination of two primary colours is called a secondary colour.
Exercise 2 Classify each what items as either a primary source or a secondary source In a sentence or two identify a possible bias or other problem with the source?
# Primary # secondary # secondary # secondary # primary
What are 2 types of consumers?
Primary And Secondary
If you have 4 autos and 4 drivers can you list your 2 teen drivers as part time drivers on 2 of the cars?
Depends on your insurance company. Some require one primary driver to each car if you have 4 cars with 4 people living in the house. But some allow you to list the parents as primary drivers for all 4 cars and have your 2 teen drivers listed as secondary drivers. Your auto insurance will cover all of you regardless of who is primary or secondary driver.
Is a 2-methylpentan-3-ol a primary or secondary or tertiary alcohol?
it is a secondary alcohol
How does secondary colors form?
mixing 2 primary colors
If you mix 2 secondary colors will you produce a primary color?
no.
