Question

A phone call came into the help center from an older patient. She asks, "Which of my insurances is my primary insurance?" She has been on her husband's HMO for a long time. Recently she got a new job that offers health insurance, as well. Discuss What advice would you give the caller to find out how to tell which insurance would be her primary and why that matters. And, if she submitted a claim, should it be filed with multiple carriers?

Answer 1

Tell the patient her new job health insurance plan will be as primary insurance, your husband's plan will be as a secondary plan covered under two insurance plans. Primary plan pays the share of the cost first then the secondary insurer pays 100% up to the total cost of care to cover the plans. primary plan picks up coverage among maybe half of the amount, coordination of benefits allows for multiple health plans. Health insurance claims if she submits for reimbursement benefit her for multiple claims that make coverage to save money on health insurance cost. coordination of benefit when the person covered with two health insurance plan provides health claim payouts and payment for both plans.