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How is it deemed which insurance coverage is primary and which is secondary?
Wiki User
∙ 14y ago
The answer to that question depends on a few things.
1. Group insurance policies are always primary over personal or self bought policies...ie You work for ABC company. You have insurance thru them (group policy) and you also pay for an individual or personal policy. Your policy thru ABC would be primary
2. Government insurance (except for medicare) is always 2nd...ie Tricare, medicaid, and etc.
3. An active policy is always primary over a retiree policy. For example John retired from ABC company and has insurance thru them. He currently works for DCE company and has a policy thru them. The DCE policy would be primary and the ABC policy 2ndary
4. If you are retired and have medicare. Then medicare is primary but if you are actively working your group insurance would be primary.
5. When it comes to children the order is 1. Parent who's birth month comes 1st if both parents are born in the same month it goes by the day (the year doesn't play a role in this) 2. If parents are divorce it goes by 1. court order if not applicable goes by who has custody is primary this includes step parents. The step parent who has custody of a child, their insurance is primary.
There are a few other rules when it comes to who is primary...when in doubt contact your insurance company
Wiki User
∙ 14y ago
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