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No, I'm checking on the CA State Law, but haven't found it yet. Here's the research I found so far.

From Blue Cross Administrators Manual

Medicare is the primary payor for employees age 65 or older in employer groups with less than 20 employees

When a group has fewer than 20 employees, Blue Cross is considered the secondary payor to Medicare and does not duplicate benefits that might be available under Medicare.

This is from Blue Cross of CA FAQ's

What is Coordination of Benefits (COB)?

A43.Coordination of Benefits (COB) is a provision to coordinate 100% of covered charges between multiple group health insurance and to designate the order in which the multiple carriers are to pay benefits. Under a COB provision, one Plan is determined to be primary and its benefits are applied to the claim. Part or all of the unpaid balance is usually paid by the secondary Plan to the limit of its liability. The coordination provisions apply separately to each member, per calendar year, and are largely determined by California law.

Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf

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โˆ™ 2015-07-15 18:38:38
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Q: Does new medical insurance coverage automatically become the primary coverage?
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Related Questions

What is meant by primary and secondary insurance coverage?

Primary insurance coverage is what is first used when a medical service is being rendered. This is what will be billed first. Secondary insurance is supposed to cover what the primary insurance does not.


Is secondary medical insurance suppose to follow suit of primary coverage?

yes, but it isn't always done automatically. You need to make sure you also follow up.


Can you drop medical coverage for your dependent children when they obtain state Medicaid coverage?

When a non custodial parent is ordered by the court to pay medical coverage, and the custodial parent applies for Medicaid that does not mean that the dependent child's medical coverage can be terminated by the non custodial parent. The ordered insurance becomes the primary insurance, and Medicaid becomes the secondary.


What is the definition of primary coverage in regard to automobile insurance?

Basic coverage.


What is a primary policy?

The concept of a "primary policy" can best be understood when there exist two or more insurance policies that arguably provide coverage for the same occurrence. The "primary insurance" is the policy that is first responsible for the payment of claims. A good example might be when a state requires that the owner of a motor vehicle to maintain what of often called "personal injury protection coverage" (a/k/a "no fault coverage"). That type of insurance pays a percentage of the injured insured's medical expenses and/or lost wages regardless of fault for the collision. If the injured insured also has major medical or hospitalization insurance, a primary/secondary insurance scenario develops. State statutory law or interpretative case law will dictate which is primary and which is secondary, but typically, the coverage specific to the occurrence (e.g. the auto-related insurance) will be primary until benefits are exhausted. Primary/secondary insurance situations may also develop when insurance is required to be maintained by the terms of a contract between two or more parties. Often, the contract specifies which (or whose) insurance will be primary.


What is covered on pip insurance in Ohio?

Coverage on PIP insurance in Ohio can be offered by the insurers if PIP insurance is chosen. PIP can may help pay for medical expenses for passengers and the primary driver.


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.


If primary insurance denies coverage and you have secondary who is responsible to pay the bill?

== == If secondary insurance denies coverage, YOU get to pay the bill. == ==


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 accident 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.


How do you determine which is the primary and secondary insurer if you and your spouse both have medical insurance coverage?

It goes off the month in which the parent was born! Who ever was born 1st is primary. It does not go off the age!


What is meant by primary and secondary insurance coverage and what portion of a claim is generalyy paid by each plan?

just read the medical manager and u will find the answer!


If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?

Medical insurance should cover any injuries substained no matter how they were caused. Health insurance is only responsible (in most cases) for what your car insurance and the third party involved's insurance does not pay. Legally, car insurance is primary over health insurance.


When you have Medicare Part A Insurance and Supplemental coverage which is primary insurer?

Medicare


What happens if medical expenses exceed auto insurance coverage after an auto accident?

1. Most states have a requirement that a registrant of an auto maintain "personal injury protection" (PIP) coverage (altho the name may be different). This is the essence of so-called no-fault auto insurance. Essentially, it pays a percentage of the insured's own medical bills and lost wages, up to a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. 2. Most insurers also offer a Medical Payments coverage. This is often an optional coverage. It pays an additional amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy limits, the medical payments coverage will pay the remaining 20% up to its policy limits. 3. If medical expenses exceed #1 and #2, one's major medical insurance is triggered. The auto insurance is "primary" in the sense that its benefits have to be exhausted before major medical insurance is called upon to pay. This is because auto insurance is required by state "financial responsibility laws" and for the further reason that it and the major medical insurance contain "coordination of benefits" provisions making the auto insurance primary. 4. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible.


If a patient has Medicaid coverage benefits and other health insurance coverage Medicaid would be primary or secondary?

Secondary.


Does secondary private insurance pay what primary private insurance will not pay?

Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.


What is the primary reason employers purchase insurance plans to provide health coverage?

With spiraling medical costs, the employees without health insurance coverage will be in total jeopardy. As a result, they will absent from their duties frequently and their working strength will gradually reduce to a low ebb. Considering the above scenario, the employers deems it essential to purchase insurance plans for their employees' health coverage.


Will a secondary insurance pay a portion or all of a prescription that a primary insurance will only pay part of because they will only pay for a lower dosage?

In most cases a secondary insurance would compensate coverage were the primary insurance does not. Exceptions apply to the prescription drug type and coverage limitations.


What types of coverage does Star Health Insurance offer?

"Star Health Insurance offers coverage in outpatient care, emergency room assistance, hospitalization, pharmaceutical care, and coverage with your primary care provider."


What is third insurance called?

pertaining to medical insurance; primary secondary TERTIARY IS THE ANSWER


If you and your wife both have insurance through your companies and her birthday is first whose is the primary insurance for the family?

If you sign up for insurance with your company, You have to indicate who is primary subscriber between yourself and wife. If both a wife and a husband sign up with the same company and both have stated they are primary, Your wasting your money. In the insurance world, secondary insurance was purchased because you want coverage for medical cost and pharmacy cost your primary insurance does not cover. Birthdays having nothing to do with who is first. Indicating on the insurance form as subscriber does.


Person is 26 years old and on her parent's medical insurance but has also taken out her own individual medical policy Which is primary insurance?

The individual policy is always primary.


If you are a passenger in an uninsured driver's vehicle does that mean that you are not covered either if he has an accident?

If you mean are your medical bills covered -- and assuming your state requires medical coverage on auto insurance policies -- then, no, you wouldn't be covered by any policy of the driver's since, of course, no policy exists. However, if you have your own auto policy, that policy would then become primary. After that, your health insurance would be primary. Unfortunately for the uninsured driver, if you do have to go through your own health insurance, there's a big possibility that they will go after the driver for any payments they make, particularly if a driver is legally required to carry auto insurance in your state (again, insurance that included medical coverage).


Can your employer ask for your vehicle insurance to drive their vehicle?

Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary coverage over and above your coverage to protect them in case of an accident. Their coverage insists that you as the employee have primary insurance on your vehicle. Also note that the company insurance will not pay for damage to your vehicle.


I am trying to find out about Medicare/Medicaid co-payment responsibility with dual coverage?

Your state may have varying laws about dual coverage, but generally speaking, if you have a primary insurance, they will pay first. Any co-pay or deductible that your primary coverage does not pay will be covered by government insurance.