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Which medical insurance is primary for the wife when the husband and wife each have insurance through their jobs?
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∙ 16y ago
The Wifes
Wiki User
∙ 16y ago
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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.
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?
The husbands own insurance would be primary, and his wife's would be secondary.
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.
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.
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 married couple have medical insurance through each one's employer who's insurance pays the doctor bills first?
I have been a medical biller for over 10 years. It is always whoever is going to the doctor that one's insurance will pay. So, the husband goes to the doctor it is his insurance that would be the primary insurance and the wife's insurance could then be billed for the balance, i.e. copay, deductible, etc.
Can you purchase your own separate medical insurance if you don't like the one-and-only option offered by your husband's employer and can you each use either one or both simultaneously?
You can purchase your own medical insurance, its called and Individual policy and many insurance carriers sell them. With an individual medical policy, you have to qualify. (you don't have any significant medical problems or past medical history) Individual medical policys also have pre-existing clauses-- they can deny any/all medical services for a medical condition they determine began before your policy began. Pre-existing clauses are usually for the first 6 months. Most, not all insurance plans "coordinate benefits". For example, if both you and your husband had health insurance through your separate employers, your insurance would be primary and your husband's insurance would be secondary and vice versa for your husband. It can be different for an individual policy/plan. Health insurance is very expensive in this country so most people can't afford to buy individual medical insurance.
Is the wife responsible for her husbands medical bills if she carries the primary ins in Arkansas?
Yes, as primary insurance holder she will have to resolve the debts. This is normally through the estate.
What is private medical insurance?
Private medical insurance is medical insurance that is purchased directly through a provider and not through the state. For example Blue Cross Blue Shield is a private medical insurance provider.
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.
What is private insurance?
Private medical insurance is medical insurance that is purchased directly through a provider and not through the state. For example Blue Cross Blue Shield is a private medical insurance provider.
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.
