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
Sure, why not?
There is one major difference between these types of claims. When a person has two different insurance carriers, one of them is designated as the primary coverage and the other as the secondary. The primary insurance should be billed first and normally pays the bulk of the bill. The secondary insurance gets billed for the remainder of the bill which the primary insurance did not pay for.
This is sticky, not sure what you mean by 'designate' secondary. Assume you are saying your health insurance has to pay first and med pay picks up what's left? Yes, in some states that is the practice/allowed. Some states allow ''double dipping'' meaning you can collect from both. Contact the Dept. of Insurance for your state, (should be an 800 number) they will be able to tell you. Also look in your policy it will also tell you for sure.
As long as it is a covered expense by your secondary insurance and a claim has been filed with the primarty insurance then the answer is yes. The secondary insurance will only cover the expense according to your plan.
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
Some will. Check with the secondary insurer.
appeal to secondary insurance
Yes, you can. The other insurance would be primary though and the Medicaid secondary.
Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.
yes, they will treat it as if the primary was a different company. You pay two premiums. If they do not, contact the DOI.
Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice.Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy.