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What are the benefits of having primary and secondary medical coverage?

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2015-07-17 17:49:01
2015-07-17 17:49:01

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.

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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!

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

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After you have received the Explanation Of Benefits (EOB) from your primary carrier if there is coordination of benefits. If the secondary insurance is an indemnity you do not need to wait.

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pertaining to medical insurance; primary secondary TERTIARY IS THE ANSWER

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If you both have coverage the wife's policy will be primary, and the husband's will be secondary - provided the wife is covered under the husband's policy. Submit the unpaid claims to the secondary carrier.

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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.

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