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If a married couple both have dental insurance provided by employer can you drop one and use as primary?
Wiki User
∙ 15y ago
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..
Wiki User
∙ 15y ago
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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.
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 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.
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 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 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.
