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The husbands own insurance would be primary, and his wife's would be secondary.

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โˆ™ 2012-08-26 03:27:48
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Q: Which insurance is primary for the husband when the husband and wife each have insurance through their jobs and husband is covered by the wifes insurance as well?
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If your husband and you are both covered by separate health insurance policies through your jobs which insurance is primary for each of you?

AnswerThe policy with your name on it is prime.


Which medical insurance is primary for the wife when the husband and wife each have insurance through their jobs?

The Wifes


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.


If I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?

Cobra is available to those without insurance. Fortunately you have primary insurance and this would be useful.


Which health insurance would be primary if you had coverage on January 1 through your husband's job then got insurance in May through your job?

The way it usually works is that the person with the birthday month (year doesn't matter) that comes first (My husband's is March, mine December) is the primary for everyone but you.My husband is the primary for himself and all the children. You will be primary for all your claims. Hope that helps.


When you have a primary and secondary insurance will the co-pay from your primary insurance be paid by the secondary insurance?

I have insurance paid for by my employer (primary) and through my husband's employer (secondary). In my experience, I have never had to pay the copay required by my primary because it is covered by my secondary. When I first got married, 2 years ago, I still paid the copay, but the doctor's office would always send me a check for the copay a month later because the secondary paid it.


Can the secondary insurance provider deny a claim that was not filed with the primary insurance provider first?

Let me tell you what happend to me. I hope that this helps. I used to be covered by two insurance companies. My primary insurance company was through the company that I worked with. My secondary was with the company that my husband works with. When a claim was filed with my secondary insurance company they wanted to know how much my primary insurance company paid for and until then they would not pay anything. So I had to submit to my primary insurance company and once they paid some then the secondary would. I hope that this helped:) * Yes. A claim must always be made with the primary insurer first.


My mother receives Blue Cross Blue Shield through a job which now pays her disability. She also is covered by medicare. Which insurance company is her primary insurance?

Blue Cross Blue Shield is primary and Medicare is secondary they will the BCBS first and then bill Medicare.


If you and your wife both have insurance through your companies and her birthday is first whose is the primary insurance for the family?

If you sign up for insurance with your company, You have to indicate who is primary subscriber between yourself and wife. If both a wife and a husband sign up with the same company and both have stated they are primary, Your wasting your money. In the insurance world, secondary insurance was purchased because you want coverage for medical cost and pharmacy cost your primary insurance does not cover. Birthdays having nothing to do with who is first. Indicating on the insurance form as subscriber does.


If a person has individual health insurance and then gets a group health through his wifes work which is primary?

it is believed that the group insurance is primary.


If both your primary and secondary insurance are the same will both policies pay?

If both policies are with the same company, and if you or your employer pays the premiums on them, then yes, they both pay. That is actually common; quite often the husband's insurance through his employer is through the same insurance company the wife's job has.


Is denture loss covered by homeowners insurance?

Dentures are covered through ones dental care plan

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