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If both spouses have health insurance which one is primary and which is secondary?
It depends. If there are just the two of you, you are 'primary' on your own policy, and your spouse is primary on his/her own policy. By default you would be 'secondary' on your spouse's policy. If the two of you have kids, you can elect either of the parents' insurance carriers to be primary, but you must do this officially, by filing the proper records with the carrier who you want to be primary. Typically, you need to decide which policy will be primary for the kids each year, as you will need to add the kids to one of your policies. You make this choice by reviewing both policies' coverages, copays and costs. The other policy, by default, then becomes secondary. If you just had a child, you should call your human resources department and/or health insurance company to work out the details and get the child properly insured.
What else can I help you with?
If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
When will secondary health insurance not pay?
if primary paid more than allowed amount or if patient has primary insurance
Is Medical pay on an Auto Policy primary over Health Insurance or secondary?
No. You will have to use your health insurance first.
If a patient has Medicaid coverage benefits and other health insurance coverage Medicaid would be primary or secondary?
Secondary.
You have Medicare as primary insurance and BCBS as secondary insurance Do you pay the copay on the secondary insurance?
The answer to this question depends on what kind of secondary insurance you have - is it a group health plan? Is it a supplement? If Medicare is primary, there are still deductibles, copays, coinsurance that would need to be satisfied by your secondary insurance. Based on your question, I'm assuming that you have a group health plan with a copayment as your secondary insurance. If so, then yes, you would pay your copayment but it would not exceed the part B deductible.
What does the word payer mean in terms of health insurance?
The primary /secondary payer is usually the insurance plan covering the claim
Can you buy secondary travel insurance without primary insurance?
Put simply, yes, you can buy travel insurance or travel health insurance without primary insurance. That's just as well, as your primary insurance may not cover you (or cover you completely) when you travel overseas.
If the the primary health insurance is catastrophic and the secondary is a PPO do you have to meet the catastrophic deductible before you can access the secondary benefits?
Yes, typically you would need to meet the deductible of the primary catastrophic insurance before the secondary PPO benefits can be utilized. This is because the primary insurance is responsible for covering costs first, and only after its deductible is met can the secondary insurance begin to pay. However, it's essential to review the specific terms of both policies, as details can vary.
how does secondary insurance work?
Here's a basic example of how secondary health insurance works. You go to the doctor, he charges you $100 for the visit. Your primary insurance pays him $50 and disallows $10. The remainder of the bill, $40, then either comes to you to pay or to a secondary insurance. In most cases the secondary will pay most, if not all of the $40.
Will secondary health insurance cover what primary does not?
Not necessarily; a secondary insurance policy or plan might only provide additional benefits up to the maximum that it will pay for a specified service. If both plans have rates that are similar, this might result in a small additional payment. Some secondary insurance or health plans might pay up to their maximum -- in addition to what the primary pays, which would result in a higher payment against a claim.
Why does the US Military not give health insurance to same-sex spouses of servicemembers?
It does. Beginning June 26, 2013, same-sex spouses of active service members are eligible for health insurance.
Can spouses health insurance company drop the spouse in for being separated?
Yes, a spouse's health insurance company can drop coverage for a spouse if they are legally separated. Many insurance policies stipulate that coverage is contingent on the marital relationship being intact. Once separation occurs, the primary policyholder may choose to remove the spouse from the plan, or the insurance company may have policies that allow for this action. It's important for separated spouses to explore their options for individual health insurance coverage.
