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Answered 2015-07-16 19:30:25

Just file and when the question asks about other coverage - answer it honestly. I see so many questions on this site about primary - secondary and don't understand all the confusion. Just fill out the forms and wait for payment.

I've search all over the Insurance Code http://www.leginfo.ca.gov/cgi-bin/calawquery?codesection=ins&codebody=&hits=20

and Westlaw and haven't found the rules on which company is primary, other than Medicare in groups of over 20. I've been in the business 20+ years and haven't found it to be a real issue.

The birthday rule applies here. If the fathers month and day of birth falls before the mothers than he will pay as primary. If the mother submits a claim and the insurance company pays as primary and it turns out that they were not, the will and can ask for that money back, up to and including the involvement of a collection agency.

Most insurance companies have an automatic system that automatically flags a dependant that may have the possibility of other coverage.

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If parents are divorced which insurance is primary?

I think the wife's insurance is primary.

If you are 16 and want to get married do you need both parents' permission or only the one with primary custody?

Yes, Primary is all that is required if Parents are Divorced and custudy is in one or the other parent.

If parents are divorced then under whose policy is the child covered?

Usually the primary custodial parent, but parents may make other arrangements if they wish.

Who has primary insurance coverage for a dependent child when both parents have coverage?

The parent who was born first in the year. In other words if the mom was born in June and the father was born in July, then the primary insurance would be covered by the mother. This also applies to both parents being born in the same month. Whoever was born first is the primary holder of the insurance.

How is the primary policy for health insurance determined when a child is covered under both divorced parents' policies?

I would say use both insurance's because neither of them pay 100%. Use one insurance for primary and let the other insurance pick up what the other one doesn't pay. Kind of like a supplemental insurance. ==Answer == Absolutely use both. If you get to make the determination then choose as primary the one with the greatest benefit. Don't be surprised however if each wants to claim that the other is primary. What it may come down to in that situation is the one that was in place first will likely be considered primary.

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.

What is the birthday rule for insurance?

Parents, whose birthday month falls first in the year is the primary payers

Who's group health insurance is primary for depdent children a step father's or the natural father's insurance?

* The insurance plan of the parent with legal custody of the child. * The plan of the spouse of the parent with legal custody of the child. * Last is the plan of the parent who does not have legal custody of the child. * ** There can be some discrepancy, depending on a court decree, if there are no specific terms on a court decree (stating only that the parents share joint custody), the benefit determination would be the same as the first bullet above where if the parents are not separated or divorced, the insurance of the parent whose birthday occurs first in a calendar year is considered the primary insurance while the other paren'ts benefits are considered the secondary coverage.

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.

Does secondary insurance cover or pay copays of primary insurance?

The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.

What does primary and non contributing really mean in regards to general liability insurance coverage?

It means that whoever states their insurance is Primary, it's really Primary regardless of who is at fault. For example, the subcontractors insurance is usually primary over the GCs insurance. This means that if the sub has a claim and in all reality it's the GC's fault, but the sub listed their insurance as primary, then the subs insurance is paying first no matter what. Primary means just that, the insurance listed is PRIMARY, regardless of fault. www.mac2insure.com

Is your husband responsibile for your medical bills?

It depends....it you are divorced or legally separated than the judge has to enter a judgment that says he has to pay for your medical bills...if you're not legally separated or divorced its his option if he wants to add you to his health plan...If you have your own insurance and he has his own insurance and you're added to his plan than the insurance go by the birthday rule..whom ever is born first is primary....

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.

Can you buy secondary travel insurance without primary insurance?

Put simply, yes, you can buy travel insurance or travel health insurance without primary insurance. That's just as well, as your primary insurance may not cover you (or cover you completely) when you travel overseas.

How do you determine a child's primary dental insurance when both parents have different dental insurance?

Each state has rules governing which policy is primary and which is secondary. If the parents are together, most states use the birthday rule. That means the birthday of the parent that comes earliest in the year. If the parents are separated, it will be the parent with custody unless a court order says otherwise. Your insurer will know the answer for your state or Che k with your insurance department--they usually have a consumer advocate you can check with.

Can you obtain a secondary health insurance policy for a child when the primary placement parent has the primary insurance coverage?

Yes most definately! It does not matter who has "primary placement". It is based on which parents birthdate comes first in the year. If you were born Jan 3rd and the other parent was born April 18th, your ins would be the primary. That is a national general rule.

How is it deemed which insurance coverage is primary and which is secondary?

The answer to that question depends on a few things. 1. Group insurance policies are always primary over personal or self bought policies...ie You work for ABC company. You have insurance thru them (group policy) and you also pay for an individual or personal policy. Your policy thru ABC would be primary 2. Government insurance (except for medicare) is always 2nd...ie Tricare, medicaid, and etc. 3. An active policy is always primary over a retiree policy. For example John retired from ABC company and has insurance thru them. He currently works for DCE company and has a policy thru them. The DCE policy would be primary and the ABC policy 2ndary 4. If you are retired and have medicare. Then medicare is primary but if you are actively working your group insurance would be primary. 5. When it comes to children the order is 1. Parent who's birth month comes 1st if both parents are born in the same month it goes by the day (the year doesn't play a role in this) 2. If parents are divorce it goes by 1. court order if not applicable goes by who has custody is primary this includes step parents. The step parent who has custody of a child, their insurance is primary. There are a few other rules when it comes to who is primary...when in doubt contact your insurance company

Who has life insurance on you?

I have life insurance on myself and I list my parents as primary beneficiaries and my siblings as contingent beneficiaries because I'm single and want to leave something behind to them in case I die.

What are a fathers rights to his kids after a spouse passes ..against the maternal grandparents?

You have full and primary rights to your children. Grandparents do not have custody rights to children over parents.

If husband has dental insurance and wife has dental insurance can you double up insurance?

As long as the husband enrolls the wife and vice versa you will have what is called secondary coverage. Now the husband will be his own primary and the wife will be secondary and the wife's plan will be her primary and the husband her secondary. In the case where there are any dependant children that are enrolled in both plans the older of the two parents will carry primary and the younger parent will be secondary.

When will secondary health insurance not pay?

if primary paid more than allowed amount or if patient has primary insurance

Does your primary doctor perform the physical for life insurance?

It can be your primary doctor or a doctor that the life insurance company chooses.

What was fathers hidalgo primary goal?

Father Hidalgo's primary goal was for Mexico to be independent from Spain.

Can you get a drivers license earlier if your parents are divorced?

Yes, provided you are otherwise qualifed to apply for one. Your parents marital status plays no part in your eligibility. If you need a parent to sign papers, it will usually be the parent who has primary custody of you.

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