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What is my primary insurance my husband's plan at work or medicare?
If you are covered under your husband's plan and he is working, his plan is primary to Medicare. If you are not covered under your husband's plan, Medicare is primary.
Whose insurance is primary when husband is retired not on medicare and wife is working?
It the wife has her husband on her work insurance plan than that is his primary insurance. If he is not covered on her plan then he would need to buy his own insurance. Once he gets on Medicare that would become his primary insurance. If his wife is still working once he gets on Medicare the primary carrier is determined by how many people work for her company. If there are less than 100 employees then Medicare would be primary.
Can you designate which of your insurance is secondary and which is primary?
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.
What is secondary insurance?
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.
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.
My husband and I are seniors. Which is better for us, a dental insurance plan or a dental discount plan?
Dental insurance may be very expensive. If you have a history of not having many dental problems then a discount plan may be better for you and your husband.
If someone is married can husband enroll his wife on his company's insurance plan and vice versa so both of them would have 2 insurance coverage?
Yes For more technical details visit www.SteveShorr.com
Can an employer not allow a spouse to join her husband's medical plan if she has medical insurance with her company this is a self-funded plan?
No, they can't. You can have two insurance coverages.
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 your insurance be primary for your children even though your ex-husband provided insurance first and the decree states he has to provide the insurance?
Yes, it is possible that your insurance will pay before your ex-husband's no matter what the divorce decree states. Most insurers use what is called the "birthday rule". The plan of the parent whose birthday occurs first in the calendar year is considered the primary (or first) payer for the children's needs. The other parent's plan pays second. You can talk to the plans about handling it differently. Or, you could consider dropping the children from your plan and banking the money you spent on premiums. It's expensive to cover the children on two plans.
If you sign up for a discount dental plan do you have to find a dentist that accepts both your primary insurance and the discount plan?
Yes, if you want to get the value of both products, i.e. the payment from your primary insurance and the discounts on procedures that are not covered by primary insurance, you need to find a dentist that is covered by both products. If you are only using the discount product for just cosmetic procedures that are not covered by your insurance, you could go to a separate dentist, but depending on the procedures it could have an impact on other treatment planning. So it is best to discuss with your regular dentist. Also, you should also disclose that you have the discount coverage when filing a claim with the insurer.
Who is covered in a vision insurance?
The primary insurance holder is obviously covered alongside their spouse and children too if they were included in the insurance plan.
