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Basic coverage.

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βˆ™ 2013-05-03 22:43:04
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Q: What is the definition of primary coverage in regard to automobile insurance?
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Does your insurance cover you in your friend's car?

Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the damage caused then you can go to your own policy for additional coverage.


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. == ==


When you have Medicare Part A Insurance and Supplemental coverage which is primary insurer?

Medicare


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

Secondary.


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.


What types of coverage does Star Health Insurance offer?

"Star Health Insurance offers coverage in outpatient care, emergency room assistance, hospitalization, pharmaceutical care, and coverage with your primary care provider."


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.


I am trying to find out about Medicare/Medicaid co-payment responsibility with dual coverage?

Your state may have varying laws about dual coverage, but generally speaking, if you have a primary insurance, they will pay first. Any co-pay or deductible that your primary coverage does not pay will be covered by government insurance.


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.


Can your employer ask for your vehicle insurance to drive their vehicle?

Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary coverage over and above your coverage to protect them in case of an accident. Their coverage insists that you as the employee have primary insurance on your vehicle. Also note that the company insurance will not pay for damage to your vehicle.


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

Sure, why not?

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