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Child is a dependent on parents health insurance and a spouse on her husband health insurance who would be primary?
Wiki User
∙ 13y ago
The governing body National Association of Insurance Commissioners (NAIC) has not yet determine the coordination of benefits rule for dependent adult children who are also on their spouse's plan.
However, most group insurance policies have "coordination of benefits" rules to determine which plan is primary under various circumstances. Each health plan's rules would have to be reviewed in each specific case, but common coordination of benefits rules are:
- If one of the plans doesn't have coordination rules, that plan will be the primary plan.
- A plan that covers you as an employee, rather than as a dependent, will be your primary plan.
- If you are covered as a dependent by more than one plan, the plan of the employee/policyholder whose birthday is first in the calendar year will be primary for you. For example, you're covered by your parent's health plan and your spouse's health plan. Your parent's birthday is June 3 and your spouse's birthday is November 11. Since your parent's birthday is earlier in the year than your spouse's birthday, your parent's plan will be primary for you.
- If a determination can't be made, the plan that has covered you longer will be primary.
It's also possible that the parent's plan will no longer cover the child once she is married - but some plans do have very liberal eligibility rules, and a married child might be able to continue coverage under her parent's plan.
Keep in mind that the above are just general examples of coordination rules, and the rules that are specified in your plans may be different.
Wiki User
∙ 13y ago
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Which insurance is primary for the husband when the husband and wife each have insurance through their jobs and husband is covered by the wifes insurance as well?
The husbands own insurance would be primary, and his wife's would be secondary.
If parents are divorced which insurance is primary?
I think the wife's insurance is primary.
Who has primary insurance coverage for a dependent child when both parents have coverage?
The parent who was born first in the year. In other words if the mom was born in June and the father was born in July, then the primary insurance would be covered by the mother. This also applies to both parents being born in the same month. Whoever was born first is the primary holder of the insurance.
What is my primary insurance my husband's plan at work or medicare?
If you are covered under your husband's plan and he is working, his plan is primary to Medicare. If you are not covered under your husband's plan, Medicare is primary.
Which medical insurance is primary for the wife when the husband and wife each have insurance through their jobs?
The Wifes
My husband has dental insurance through his work and so do I but who is primary?
That depends on how the policies are written. Some policies state that when there are two dental insurances, the employee is primary and the dependent is secondary. Other policies state that the person whose birthday falls first in the year is primary. Your best option is to either discuss this issue with your Human Resources department at work or discuss it with the individual who handles insurance claims at your dentist's office. ***Birthday rule only applies to covered children of a married or cohabiting couple. If the parents live in separate households, custody rule or divorce decrees override the birthday rule. The policyholder will be the primary carrier if both policies are full-time employment policies. If one of the policies is retirement coverage, the retirement coverage would be secondary. In your case, your insurance is primary for you and your husband's insurance is primary for him.
What is the definition of primary coverage in regard to medical insurance?
Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.
Whose insurance is primary when husband is retired not on medicare and wife is working?
It the wife has her husband on her work insurance plan than that is his primary insurance. If he is not covered on her plan then he would need to buy his own insurance. Once he gets on Medicare that would become his primary insurance. If his wife is still working once he gets on Medicare the primary carrier is determined by how many people work for her company. If there are less than 100 employees then Medicare would be primary.
What are the odds of the same woman being the beneficiary to three separate life insurance policies?
Actually the odds could be 100% if the woman's husband owned three different life insurance policies naming her as the primary beneficiary for each of the policies. Or, perhaps her parents each owned life insurance policies, as well, and named her as the primary beneficiary.
What is primary and secondary dental insurance?
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 written, 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.
Which health insurance would be primary if you had coverage on January 1 through your husband's job then got insurance in May through your job?
The way it usually works is that the person with the birthday month (year doesn't matter) that comes first (My husband's is March, mine December) is the primary for everyone but you.My husband is the primary for himself and all the children. You will be primary for all your claims. Hope that helps.
Who is a primary care giver?
They are the person(s) responsible for giving care to those who are dependent upon them. For instance: Your parents are YOUR primary caregivers.
