Does secondary health insurance cover or pay copays of primary health insurance?

Question

Does secondary health insurance cover or pay copays of primary health insurance?

Answer 1

It depends on the plan.  You'll have to talk to a representative to make sure.  If you're intending it to do so then you may be able to pay MUCH lower rates.  But remember that almost every insurance plan out there has a stipulation that "If the insured has two insurance plans then their other plan must be charged first" How that works when you have two plans that say the same thing can cause some confusion.  Usually the one you've had longer ends up the primary.  But you really would have to talk to a representative for the insurance plan you're considering to make sure.

I do know that if the plans are held by two different people then the person with the earlier birth day is the one who's insurance plan is the primary.  So if you were born March 8th, 1950 and the other person was born January 12th, 1973 then their insurance would be the primary insurance because Jan 12 comes before March 8 in the year.

Answer 2

There's no absolute answer to this, it's going to depend on the primary plan (like if it's Medicare or not), and the secondary plan.  Usually, if private insurance is primary, and Medicaid is secondary, it will pick up the copays and deductibles.  

BUT, you'll have to check with the secondary plan, to be sure.

Answer 3

Generally, the secondary will only pick up a balance up to what they would have paid if pprimary. You will have to check the COB clause of the secondary carrier to be sure.

Answer 4

You will have to look in your certificate to see how your primary plan coordinates with the secondary plan. There are two types of coordination.  Normal liability is when the primary plan pays up to the amount that would be covered if you had no other insurance. For example, if your primary plan pays 80% and your secondary plan pays 70% then it would pick up an additional 10%. But be careful because if your primary plan pays 80% and so does your secondary plan then you will have no additional coverage. Many people take out secondary plans with normal liability only to find that they have no additional coverage. The most common is standard 100%. That means that your primary will pay the difference, including copays.  I would suggest calling your primary insurance carrier and asking how they coordinate benefits as every plan is different.

Answer 5

No.

The other answers are talking about coordination of benefits. I think what you are asking is: Do you still have to pay the co-pays for prescriptions and doctor visits out of your own pocket.?

The answer is yes.

Don

http://mtnhealthinsuance.com

Answer 6

I am not going to  say I am one hundred percent sure about the answer.Besides it really depends on the personal feelings.SO it would better for you to find yourself.Here is a good resource.http://health-insurance.expert-tip.info/...