Steps in Determining Coverage for Primary and Secondary Health Insurance
With the exorbitant cost for health care, it may be necessary to get a secondary health insurance to cover all of your medical bills. Additionally if both the wife and the husband work, it is normal for their child to have two insurance policies. This is the reason why determining coverage became a little more complex. Generally, your insurance policy provides you with primary coverage unless it is VA or Medicaid and your spouses is provided by his or her employer. As for dependents, the provider will bill the insurance of the parent that has an earlier birthday. Should the parents have exactly the same date of birth, it goes to the insurance of the parent that has worked for the company longer. In the event that the parents are legally separated or divorced, the policy of the insurance of the parent with custody will provide primary coverage. Finally, if you have an individual and group health plan, the group plan gets primary coverage. To learn more about primary and secondary insurance from Bcbs Virginia, follow the link now.
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