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If you sign up for insurance with your company, You have to indicate who is primary subscriber between yourself and wife. If both a wife and a husband sign up with the same company and both have stated they are primary, Your wasting your money. In the insurance world, secondary insurance was purchased because you want coverage for medical cost and pharmacy cost your primary insurance does not cover. Birthdays having nothing to do with who is first. Indicating on the insurance form as subscriber does.

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โˆ™ 2005-11-06 06:35:25
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Q: If you and your wife both have insurance through your companies and her birthday is first whose is the primary insurance for the family?
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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.


Where can one contact Maryland Insurance companies?

One can contact Maryland Insurance companies through various mediums. One way to contact Maryland Insurance companies is through email on the Maryland Insurance website. Another method of contacting Maryland Insurance companies is by phone.


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 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 I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?

Cobra is available to those without insurance. Fortunately you have primary insurance and this would be useful.


Which health insurance would be primary if you had coverage on January 1 through your husband's job then got insurance in May through your job?

The way it usually works is that the person with the birthday month (year doesn't matter) that comes first (My husband's is March, mine December) is the primary for everyone but you.My husband is the primary for himself and all the children. You will be primary for all your claims. Hope that helps.


If a person has individual health insurance and then gets a group health through his wifes work which is primary?

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Where can a person go to find the best online health insurance quotes?

Health insurance quotes can be accessed through all the major insurance companies and are available online as well as through the mail and by phone. State Farm, Allstate and Progressive insurance companies are terrific companies to research.


Where can one get car and auto insurance?

You can receive car and auto insurance through companies such as Allstate, Farmers Insurance, and Esurance. All of these companies provide free online insurance quotes.


Which insurance is primary for the husband when the husband and wife each have insurance through their jobs and husband is covered by the wifes insurance as well?

The husbands own insurance would be primary, and his wife's would be secondary.


Where can I go to compare multiple companies' motorcycle insurance costs?

The best way to compare insurance companies prices is to go through Progressive Insurance. They have a webpage for quotes that compares their price to other companies.


What kind of insurance does Lead Life offer?

There is no mention of Leaf Life being an insurance provider. Life insurance leads on the other hand are companies that are brokers for life insurance companies. Through these companies quotes can obtained for the ones needs in life insurance.


Which medical insurance is primary for the wife when the husband and wife each have insurance through their jobs?

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If you are the custodial parent and have no health insurance but your new spouse does will your ex-husband's health insurance be primary or secondary?

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Where can you purchase motor home insurance?

Motor home insurance can be bought through most motor vehicle insurance companies, or even bigger insurance companies that deal with a more general spectrum such as Farmers insurance.


Where can one purchase pet protection insurance?

Pet protection insurance is purchased from insurance companies who offer the service. This can be purchased directly from the insurance companies who offer the service, or through your local vet.


Can you get car insurance from the government?

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Can the secondary insurance provider deny a claim that was not filed with the primary insurance provider first?

Let me tell you what happend to me. I hope that this helps. I used to be covered by two insurance companies. My primary insurance company was through the company that I worked with. My secondary was with the company that my husband works with. When a claim was filed with my secondary insurance company they wanted to know how much my primary insurance company paid for and until then they would not pay anything. So I had to submit to my primary insurance company and once they paid some then the secondary would. I hope that this helped:) * Yes. A claim must always be made with the primary insurer first.


What are the key players in insurance industry in Kenya?

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Does AARP offer homeowner insurance?

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What companies offer homeowners insurance in Florida?

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How do Iget Medicare as your primary insurance?

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What are the opportunities of investing in an insurance company?

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If you have health coverage through two different companies the one through retirement and one through current employer who is primary?

Both of you policies will spell out this in the "Co-ordination of Benefits" clause. Most likely the oldest plan will be primary but some go by the birthday of the person insured under the policy. If the retirement benefit coverage is from your spouses policy and the current employer is in your name the birthday may come into effect. Check the COB clause and you will probably find out. If not call the companies.


Where can one buy classic car insurance in the UK?

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