AnswerIf both policies are in his name (like he has two jobs) then the older policy will be prime. I one is a spouse's policy then that would be secondary.
If you both have coverage the wife's policy will be primary, and the husband's will be secondary - provided the wife is covered under the husband's policy. Submit the unpaid claims to the secondary carrier.
The primary coverage is provided under the plan provided by the employer. Secondary coverage is usually a result of being covered as a dependent under someone else's health insurance plan.
Term life insurance is a type of insurance coverage offered to a group of people. This coverage will provide a benefit to the beneficiaries if the covered individual dies during the defines covered period.
It is best to check directly with your insurance provider to determine your plan coverage. Some plans only cover a specific device I.e. Paragard or Mirena. Additionally, you can check with your healthcare provider's office to determine coverage eligibility.
Your broker can help you determine how much insurance to carry in your HO-6 policy, based on what might be covered in the association's master insurance policy.Ask your board or your management company to send you a coverage page from the master policy, then you and your broker can determine the coverage you need.
No. You are not covered in a lapse period. A period of lapse in coverage means " No Coverage ".
It is when you are covered with medical expences.
It depends on what kind of policy you purchased, Some will provide coverage for debris removal while others do not. Contact your insurance agent to determine what scope of coverage you purchased.
It depends on a few things. If your primary insurance is say less than 2 years old, they can deny claims to determine whether the condition is pre-existing. If you have had the secondary policy longer/ or the pre-x period has already been satisfied, then they may pay the claim as secondary. As long as the treatment is indicated as covered benefits in the policy. These cases are common when both spouses have covered each other on their jobs. And/or when a child is covered under both parents policies. There could be a coordination of coverage issue with the latter.
Yes! If she has a state-funded insurance also, the husband's coverage will be secondary.