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Maybe. This is actually a question for your wife's benefits coordinator at her employer. She should ask her supervisor who that would be. If there is a significant change in your insurance status, you can make changes. For example, if you lost your job you could be added to your wife's insurance immediately. If there's no change in status, you will have to wait until the 'open enrollement' period, usually December for most plans. Many dental insurance plans are only available with the medical plan. So, you might have to change ALL your insurance, not just dental, to get your wife's dental plan. Also, it might be much more expensive. Many employers pay 30% to 70% of the cost of the employees insurance, but nothing toward dependents insurance. So, it might cost 3 or 4 times as much for you both to have her plan. Here are the questions your wife needs to ask her benefit coordinator: When is the open enrollment period? Can you get your wife's dental plan only, or must you take her medical plan as well? How much will it cost to insure both of you?

It will all depend to what will be the cover of your insurance..

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โˆ™ 2008-09-18 06:48:04
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Q: If a married couple both have dental insurance provided by employer can you drop one and use as primary?
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Related questions

When does Medicare become the primary insurance?

Medicare becomes the primary insurance if you drop your employer insurance. Up until you drop your employer insurance, Medicare would be your secondary insurance.


How do you get medicare as your primary insurance if you have horizons select as your primary you want to change?

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.


What is the difference between primary and secondary commercial claims?

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.


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.


Can medicare be used for secondary insurance if the primary insurance is paid by your employer?

Medicare is primary if your group is under 20 lives. 20 lives or more and medicare is secondary to your employer paid group plan.


If insured by your employer and your spouse's employer which is the primary insurance?

Your insurance through your employer is your primary insurance, and your spouse's primary insurance is through his/her employer. If both husband and wife are insured on both insurance policies, then you have primary and secondary coverage. But you will still have to pay any deductibles and co-pays before either policy will pay. The deductible is the amount you first have to pay (usually at the first of the year) before the insurance will pay anything. The co-pay is your percentage of what the insurance doesn't pay, which for many health insurance companies is 80% for them and 20% for you. There is sometimes a co-insurance that you have to pay also. Ex: Insurance companies have a set amount that they pay for any office visit, procedure, etc. If the bill is over what the insurance pays, then you are responsible for the balance.


Can an employer force an employee to use their company health insurance as the employee's primary insurance when the employee already has very good insurance?

No, They can not


Which insurance is primary for retired nypd member currently working with insurance?

The standard method used by the insurance industry is: actual current active employer is primary; retiree/annuitant is secondary


If you retire and have cobra insurance from a previous employer and get a new job with insurance can you still keep your cobra insurance and which insurance is the primary insurance?

COBRA insurance is a guarantee that your health insurance is portable when you leave the job. It is now private insurance where you are paying for it. The cost is probably higher than the employer provided insurance so you would want to look at the 2 carefully and determine which would be most economical. It does not make sense to pay for two policies. If your new job pays for (some of) the insurance dump your COBRA.


Will secondary insurance pay claim if primary insurance is provided by the same insurance company?

yes, they will treat it as if the primary was a different company. You pay two premiums. If they do not, contact the DOI.


If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?

If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf


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.


Can you consider your retirement insurance primary because you've held it longer and it has better coverage or must your current employer's insurance be primary?

In New York, the insurance that you have held the longest is considered primary. This may vary from state to state, however, I believe it is the general rule.


If you are working and you turn 65 do you have to use medicare as aprimary insurance?

Medicare does not require you to use it as your primary insurance; however, your private health insurance carrier probably will, especially if your employer is paying for your health insurance.


If a married couple have medical insurance through each one's employer who's insurance pays the doctor bills first?

I have been a medical biller for over 10 years. It is always whoever is going to the doctor that one's insurance will pay. So, the husband goes to the doctor it is his insurance that would be the primary insurance and the wife's insurance could then be billed for the balance, i.e. copay, deductible, etc.


My son receives Social Security disability and Medicare. I also carry him as a dependent on my group health insurance through work. Which insurance (group health from my employer or Medicare) is his primary insurance?

Your job insurance is the primary. Usually medicare/disability comes first then others supplement.


If both your primary and secondary insurance are the same will both policies pay?

If both policies are with the same company, and if you or your employer pays the premiums on them, then yes, they both pay. That is actually common; quite often the husband's insurance through his employer is through the same insurance company the wife's job has.


Who pays first if you have medicare and are retired hourly from General Motors?

Chances are Medicare would pay first as long as you are no longer working, or if your spouse does not have you covered under insurance through their employer. If your spouse IS working and you do have coverage through them, the group insurance would be primary if their employer has more then 100 employees working for them. Otherwise, Medicare will be primary.


Can you drop insurance with your employer and use your spouses insurance as primary?

yes If you drop your insurance, your spouse's insurance would not be primary. It would be the only insurance you'd have. "Primary" only comes into play if you are covered by more than one policy. You should check carefully before dropping your own insurance. First of all, be sure your spouse can get family coverage through his employer. My employer only offers individual coverage because family coverage is so expensive. Second, if you both have family coverage, keep the policy with the best benefit-to-cost ratio. If your spouse's policy is cheap but has a high deductible, and yours is more expensive but has only fairly small co-pays, you may have reason to chose one over the other. Or, keep the insurance of the spouse whose job is most likely to still exist several years into the future. If I dropped my insurance I would ask my employer to increase my salary since benefits are part of your compensation, and dropping your insurance saves your employer a great deal of money.


What if the beneficiary of a life insurance is deceased?

When a life insurance policy is purchased, the purchaser (usually the insured) designates a primary beneficiary and a contingent beneficiary. The contingent beneficiary gets the proceeds if the primary beneficiary predeceases the insured. The insured can name a new primary beneficiary by contacting the insurance company or the insurance agent. THIS IS ONLY TRUE FOR PURCHASED LIFE POLICIES___ NOT POLICIES THROUGH AN EMPLOYER UNDER ERISA.


If parents are divorced which insurance is primary?

I think the wife's insurance is primary.


How do Iget Medicare as your primary insurance?

You do not determine which of your insurance policies are primary in cases where you have multiple health insurance policies. The Federal government passed a law several years ago making Medicare secondary to any other health insurance that you have through an employer or retirement program. This transferred billions of dollars per year from the Medicare and Medicaid programs to private insurance companies all at one time.


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.


If you have Medicare benefits and employer benefits which is primary?

Medicare is primary.


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.