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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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โˆ™ 2015-07-17 17:49:01
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Q: What are the benefits of having primary and secondary medical coverage?
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Related Questions

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

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.


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.


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!


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!


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.


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.


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.


Can you designate which of your insurance is secondary and which is primary?

Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice.Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy.


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 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.


Retiree health care coverage and Medicare?

Question isn't clear, but ordinarily Medicare is the primary payor and your retiree coverage is secondary.


If a child has primary and secondary medical insurance who settles the dispute when the primary decides the secondary should now be primary instead of secondary as they had been for several years now?

It's not at the discretion of the insurance company as to who is the primary or the secondary. It is the sole decision of the policy holder(you). They are a paid service and are there to serve you. Correction: No, it's not at the discretion of the policy holder. The primary coverage is based on who's birthday comes first. For example, in this particular case, the child lives with his mother and stepfather, and the stepfather and the biological father both have him on their medical insurance policies. The father's birthday is in October and the stepfather's birthday is in December. So the father's insurance is primary, and the stepfather's insurance is secondary. These are the quidelines insurance companies use to determine which one is primary, and which one is secondary.


How is a theft of a vehicle work when there are two insurance policies?

The policy with the broadest scope of coverage is primary. The other policy with less coverage would be considered secondary and does not invoke until or unless the coverage from the primary policy is exhausted.


If the primary charges a 200 copay the secondary pays nothing do you owe the 200 copay on the primary if secondary states 0 owed by patient Where can you find this info?

This does not sound like an auto policy, is this medical? If so, you are responsible for the copay. I would contact your benefits administrator.


Can you designate the primary and secondary insurance coverage and declare not to pay because of no out of pocket expenses?

Sure, why not?


Who is considered the primary and who is the secondary medical insurance for child living with mother and step father but also has coverage through father?

Unless mentioned in the divorce decree, the birthday rule should apply.


When should you submit a claim to a secondary insurance company?

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.


When a primary insurance only covers 50 percent what would secondary insurance cover?

What does the brochure or policy Evidence of Coverage for the secondary policy say?


Will a secondary insurance pay a portion or all of a prescription that a primary insurance will only pay part of because they will only pay for a lower dosage?

In most cases a secondary insurance would compensate coverage were the primary insurance does not. Exceptions apply to the prescription drug type and coverage limitations.


What is third insurance called?

pertaining to medical insurance; primary secondary TERTIARY IS THE ANSWER


What if a stepparent has medical coverage for a child and then the biological father has coverage for the child which he has joint custody of Which is primary and secondary?

Generally, the father's, but you should work together for what's best for the child. Which policy is the better one for being primary? Besides, with two policies, any bills end up fully covered. See links below for each of you.


Primary and secondary health insurance?

You could have two insurance companies pay the same medical bill or claim for a date of service through a process of subrogation where the first insurance company determined by the effective date of coverage will pay their portion of the bill and the second insurance company will pay the balance. This process is called coordination of benefits. Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice. Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy. Secondary insurance should not be confused with supplemental insurance. Supplemental policies usually abide by the primary insurance guidelines. If the primary allows the charge, the supplemental will allow the charge. Most supplemental policies cover the charges you would normally pay out of pocket. For example: A Medicare supplemental policy would cover the 20% coinsurance left over after Medicare pays 80% of the allowed amount.