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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.

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โˆ™ 2012-11-18 05:16:23
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Q: If you have insurance with your employer and your spouse has insurance on you also which insurance is the primary?
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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 refuse insurance coverage to a same sex spouse?

Not in the United States or Canada, unless the employer also refuses insurance coverage to opposite-sex spouses.


If you have medicare and your spouse also has you as a dependent on their insurance which is primary and which is secondary?

Medicare is primary unless you are working and have coverage thru your employer. Coverage thru the spouse's employer would be secondary to your own Medicare coverage.NO. The answer posted above is incorrect! Medicare is Secondary.Medicare is secondary when :-The individual or his/her spouse is currently employed/working and covered under an employer group health plan as a result of current employmentsee this linkhttp://questions.cms.hhs.gov/cgi-bin/cmshhs.cfg/php/enduser/std_adp.php?p_faqid=871


Can your employer's health insurance require your husband to take his employer's health insurance if his is not free and not as good as yours?

My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance. Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to. Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO. If a company offers a family health plan, they CANNOT specify that a spouse take other insurance if available. They CAN require that if you are declining coverage from them (your own employer), that you show you have coverage elsewhere.


Is Medicare primary when the spouse is still working or if the Medicare beneficiary works?

Medicare is primary if you work for a company with less than 20 employees. It would also depend on if the spouse is covered under the employer group health insurance. For more info. see www.SteveShorr.com/medicare.htm I recommend you visit www.cms.gov. to answer your question, If you are not 65+ years old, completely disabled, or both, and your spouse is employed by a company with 100+ employees, then your spouses insurance is primary. However, if you are disabled, 65+ yrs old, or the company your spouse works for has less than 100 employees, then your medicare would be primary.


If the spouse is not a beneficiary of the estate are they still responsible for medical expenses?

The estate has the primary responsibility. Depending on the insurance, they may also have a responsibility.


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.


What does working spouse rule mean?

The term "Working Spouse Rule" refers to some employer provided medical insurance plans. These types of plans require that if the employee's spouse works for a company which also offers medical insurance benefits, that spouse must be enrolled in that plan. This means that if your spouse is employed, and his or her employer offers medical and/or dental coverage, the spouse must be enrolled for at least individual coverage in that company's plan, regardless of cost, in order to be covered on a secondary basis under your medical and/or dental plan.


How can an employer cover spouse and kids on health Insurance and then a year later say that the children are not covered because the other spouse has insurance coverage on the children?

Only one company can pay out on the health insurance so it is a waste of money being insured twice, and also it will save you the tax you are paying on the premiums.


Are you responsible for your living spouses medical bills in Virginia?

It is normal to have responsibility for it. The insurance often also required the spouse to accept responsibility and the primary insurance holder is always required to do so.


Can anyone give us some ideas on health insurance?

If you are employed, check with your employer. If your spouse is employed, check with his or her employer. There are also companies where you can get insureance on your own. Anthem and Aetna both offer coverage that people can get on their own.


What does secondary insurance pay?

Secondary: a policy that pays the provider's leftover medical bills. Some might still exclude the payment toward bills assigned to meet the primary policy's deductibles or copayments so you have to ask. This happens for instance if a husband or wife covers their spouse on their insurance but he/she also participates in their employer's plan. The spouse's coverage would pay the bills after their own medical plan paid.

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