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You cannot decide which insurance is primary and which is secondary. Their is nothing you can do to determine this. Within each policy it specifies when each policy is primary or secondary. With Medicare, it is always going to be secondary to insurance provided by an employer or retirement plan.

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2015-06-01 23:01:54
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Q: How do you get medicare as your primary insurance if you have horizons select as your primary you want to change?
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How do i look for changing my medicare insurance plans?

Fall open enrollment is the best time to change medicare insurance plans. You can find out a lot of information about your different options by contacting a Medicare representative.

Is secure horizons medicare advantage a good plan for a senior citizen to buy?

Secure Horizons Medicare is a good plan, but it is not as good as Medicare supplements. With the Medicare supplement plan, you can see any doctor that you like, the plan has a larger premium which typically increases 8% every year, and benefits are standardized and constant. With Medicare advantage plans, you are restricted to some extent on the doctors you can see, the benefits change every year; sometimes they are better and sometimes they are worse. Also, the premiums are lower.

How can you change how your Medicare premiums are paid?

If on medicare you can't, b/c social security will deduct b/c you get your payment. If you have a supplement or mapd policy call insurance carrier

We have Secure Horizons, which is an HNO, my husband's specialist who is a Urologist cancelled his contract with this and all HMOs. He suggested we get PPO Insurance. How can we do this?

Go to and change policies

How are primary and secondary insurance determined?

It is usually written in an insurance policy if the policy is primary or secondary. If both policies have language that makes them secondary if other insurance is present then they may split the amount owed. State laws may change this.

What is the primary purpose of HIPAA Title Insurance Reform?

Is to provide continous insurance coverage for workers and thier insured dependents when they change or loose jobs.

What is the primary purpose of hipaa title 1 insurance reform?

Is to provide continous insurance coverage for workers and thier insured dependents when they change or loose jobs.

How do you change to Medicare as your primary health carrier from Blue Cross Blue Shield?

If you have a medicare advantage plan (HMO, POS, etc.), you can disenroll during the Medicare Advantage Disenrollment Period (MADP) which occurs Jan. 1--February 14, 2011. You may need to enroll in a prescription drug plan.

Can you change your secondary insurance to primary insurance if your coverage is better with the secondary insurance?

In most cases no. You can not chage due to better coverage. 90% of insurance companies, if not more, have what is called a birthday rule. Meaning if you have dependant children on the policy the guardian who was born first (or who is older) is the primary carrier for the dependant children and the younger of the two guardians is the secondary carrier. If you were to have coverage through yourself and a spouse you would be your own primary, as would your spouse be their own primary. If you are the carrier for both insurances then it would all depend on your plan provisions and restrictions, in which case you would have to question each insurance company as to how they would handle determining what insurance is primary and what insurance is secondary.

If your spouse who is not the primary insurance carrier makes a change over the phone is there a waiting period before it goes into effect?

Not usually. The majority of insurance companies accept the change valid at the time of the request. Even if it changes the premium amount.

What is an albaquult?

An albaquult is a variety of aquult - an ultisol soil - which has an abrupt change in texture between horizons.

How will ObamaCare affect senior citizens?

An unknown amount (but probably small). Most Senior Citizens already qualify for Medicare, and this will not change. Those purchasing additional insurance from an insurance company may likely see changes, though what those changes (particularly in cost) are is impossible to generally predict.

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