Best Answer

to my knowledge, most states only permit residents to buy medical supplements that pay expenses not covered by primary health plan, as opposed to two major medical plans. reasons have something to do with problem designating which is responsible for paying what expenses.

supplements or extra PIP (personal injury protection) coverage on your auto policy are excellent for paying expenses such as high deductibles or the like if you're injured in a car accident, or you need a resource for a high deductible of four figures. PIP covers your medical regardless of whose fault accident is, and deductible insurance reimburses you within a month of writing a four figure deductible if you have a policy.

secondary or supp coverage isn't necessary if you keep a cash reserve handy you can access in the event of a major medical emergency, for persons under 65. people on medicare are smart to carry supplement (AARP or the like) because extra expenses amount quickly.

I think the answer depends on how you are defining secondary medical coverage. I don't see any benefit to having two major medical plans. However, that can be significant benefit in putting a packaged solution of major medical and one of more supplemental plans for greater use of resources.

Example: A $1500 family deductible plan for my family is $1061 from Blue Shield of California. I can also get a $4800 family deductible plan for only $574. Since I don't like the exposure of an additional $3300 of deductible I can add secondary supplemental coverage such as a $5000 accident plan for $30 a month and a critical illness plan for about $50. Collectively I have shielded myself from much of the added exposure by layering on other coverage to pay for the things that woul likely cause me to have to pay the high deductible.

User Avatar

Wiki User

โˆ™ 2015-07-17 17:49:01
This answer is:
User Avatar
Study guides


22 cards

If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire

How many grams of cholesterol should you eat each day to maintain a healthy diet

What would cause a fluttering inside the ear canal

Why is beef fat a solid at room temperature

See all cards
6 Reviews

Add your answer:

Earn +20 pts
Q: What are the benefits of having primary and secondary medical coverage?
Write your answer...
Still have questions?
magnify glass
Related questions

If a patient has Medicaid coverage benefits and other health insurance coverage Medicaid would be primary or secondary?


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.

If primary insurance denies coverage and you have secondary who is responsible to pay the bill?

== == If secondary insurance denies coverage, YOU get to pay the bill. == ==

Do the primary dental insurance rules govern the allowed charges from the dentist?

The answer to the question, is it depends. State laws on coordination of benefits (CoB) can impact the answer, but there is a general rule of thumb. If the dentist participates in a network that is connected to the patient's coverage--whether that coverage is primary or secondary, the participating network contractual relationship determines the amount that can be collected from the patient.Here's a table that was developed by the National Association of Dental Plans outlining various CoB scenarios and what determines the charges to patients under each.PATIENT COVERAGEWHAT THE DENTIST CHARGES THE PATIENTPrimary and secondary coverage are both DPPOs; Office participates in both network plans.The DPPO allowances of the primary plan.Primary coverage is a DPPO, and the secondary coverage is an indemnity plan.The DPPO allowances of the primary plan.Indemnity plan is primary, and the secondary coverage is a DPPO.The DPPO allowances of the secondary plan. Primary coverage is an DHMO, and the secondary is an indemnity plan.The DHMO patient co-payments. (The secondary indemnity plan may cover all or most of these co-payments.)Indemnity plan is primary, and the secondary coverage is an DHMO.The DHMO patient co-payments. (The primary indemnity plan may cover all or most of these co-payments.)Primary coverage is a DPPO, and an DHMO is the secondary plan.The DPPO allowances of the primary plan.Primary coverage is an DHMO, and the DPPO is the secondary plan.The DHMO patient co-payments. (The secondary DPPO plan may cover all or most of these co-payments.)NOTE: Discount dental plans are not subject to COB laws and regulations as they are not insurance products.

What is meant by primary and secondary insurance coverage and what portion of a claim is generalyy paid by each plan?

just read the medical manager and u will find the answer!

How do you determine which is the primary and secondary insurer if you and your spouse both have medical insurance coverage?

It goes off the month in which the parent was born! Who ever was born 1st is primary. It does not go off the age!

Can you drop medical coverage for your dependent children when they obtain state Medicaid coverage?

When a non custodial parent is ordered by the court to pay medical coverage, and the custodial parent applies for Medicaid that does not mean that the dependent child's medical coverage can be terminated by the non custodial parent. The ordered insurance becomes the primary insurance, and Medicaid becomes the secondary.

Which would be primary for my husband as I am working with Blue Cross Blue Shield coverage for both.?

You would each be primary on your own coverage and secondary on your spouse's.

Does secondary private insurance pay what primary private insurance will not pay?

Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.

Is secondary medical insurance suppose to follow suit of primary coverage?

yes, but it isn't always done automatically. You need to make sure you also follow up.

What is a primary policy?

The concept of a "primary policy" can best be understood when there exist two or more insurance policies that arguably provide coverage for the same occurrence. The "primary insurance" is the policy that is first responsible for the payment of claims. A good example might be when a state requires that the owner of a motor vehicle to maintain what of often called "personal injury protection coverage" (a/k/a "no fault coverage"). That type of insurance pays a percentage of the injured insured's medical expenses and/or lost wages regardless of fault for the collision. If the injured insured also has major medical or hospitalization insurance, a primary/secondary insurance scenario develops. State statutory law or interpretative case law will dictate which is primary and which is secondary, but typically, the coverage specific to the occurrence (e.g. the auto-related insurance) will be primary until benefits are exhausted. Primary/secondary insurance situations may also develop when insurance is required to be maintained by the terms of a contract between two or more parties. Often, the contract specifies which (or whose) insurance will be primary.

What is the difference between primary and secondary commercial claims?

The primary coverage is provided under the plan provided by the employer. Secondary coverage is usually a result of being covered as a dependent under someone else's health insurance plan.

People also asked