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Which insurance policy is considered primary if I have two policies?
If you have two insurance policies, the policy that is considered primary is typically the one that pays benefits first before the secondary policy.
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.
What if you are driving someone else's car and you get in an accident that is your fault?
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
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.
Can a child have two insurance companies listed as primary for example the child has a policy of his own and his parent has a policy through their employer?
No, a child cannot have two primary insurance policies. Typically, one policy will be considered primary, and the other will be secondary. The primary insurance is responsible for covering expenses first, while the secondary insurance may cover additional costs not paid by the primary policy, subject to coordination of benefits rules. It's important to check with both insurance companies to determine which is primary based on factors like the child's age and the parent's policy details.
If parents are divorced which insurance is primary?
I think the wife's insurance is primary.
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.
You have two full time jobs and you get insurance from both would they both be considered primary?
Only one can be the primary and the other the secondary. Choose the best for your primary and the lesser coverage for your secondary. With 2 insurance policies, you shouldn't have to pay for anything, unless the healthcare isn't included in either policy.
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
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.
Can I have two primary beneficiaries for my insurance policy?
Yes, you can have two primary beneficiaries for your insurance policy.
