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The parent who was born first in the year. In other words if the mom was born in June and the father was born in July, then the primary insurance would be covered by the mother.

This also applies to both parents being born in the same month. Whoever was born first is the primary holder of the insurance.

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โˆ™ 2010-02-06 20:03:22
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Q: Who has primary insurance coverage for a dependent child when both parents have coverage?
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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.


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.


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.


What is the definition of primary coverage in regard to automobile insurance?

Basic coverage.


If parents are divorced which insurance is primary?

I think the wife's insurance is primary.


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 you have to be a dependent to be covered by your parents insurance?

As from my experience most health insurance companies will provide coverage for unmarried children under age of 19 who are primary's applicant dependents. A child will continue to be eligible until his/her 24th birthday when attends college or has a permanent or continuing mental or physical impairment.


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.


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 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."


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.


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.


Can you change your secondary insurance to primary insurance if your coverage is better with the secondary insurance?

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.


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.


Can you obtain a secondary health insurance policy for a child when the primary placement parent has the primary insurance coverage?

Yes most definately! It does not matter who has "primary placement". It is based on which parents birthdate comes first in the year. If you were born Jan 3rd and the other parent was born April 18th, your ins would be the primary. That is a national general rule.


What insurance is carried and comes in to play when other insurance is exhausted?

This is called "excess" or sometimes, "umbrella" coverage. It can be written by the same insurer that writes the primary limits if it offers such coverage. If it does not, you may have go to another insurer for it. The excess insurer may require a minimum primary coverage limit before it will issue such a policy. Typically, it is less costly than primary insurance because it does not have an obligation to pay until primary limits are exhausted. It can usually be had in both personal and commercial lines of insurance and in varying amounts.


Can a judge maske both parents have health insurance?

Yes judge can, In Mihigan the judge ordered both parents to maintain health coverage, but not sure whose would be primary if it's not stated in court order.


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.


What does primary and non contributing really mean in regards to general liability insurance coverage?

It means that whoever states their insurance is Primary, it's really Primary regardless of who is at fault. For example, the subcontractors insurance is usually primary over the GCs insurance. This means that if the sub has a claim and in all reality it's the GC's fault, but the sub listed their insurance as primary, then the subs insurance is paying first no matter what. Primary means just that, the insurance listed is PRIMARY, regardless of fault. www.mac2insure.com


Is primary insurance copays covered under secondary insurance?

Depending on your coverage, your primary insurance will cover 80% of your charges, minus your deductible (if not already met). Your secondary insurance will pick up the remaining 20% co-insurance and your co-pay, if you have one.


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.


If you have insurance with your employer and your spouse has insurance on you also which insurance is the primary?

If both you and your spouse have full medical coverage then the insurance compnay will revert back to your and your spouse's date of birth. Whoever's birthdate is first in a calendar year, then that is the primary insurance. For example, if your birthday is November 1, but your spouse's birthday is February 12, then your spouses insurance is primary for both of you.


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

Sure, why not?