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Understand the differences between primary, secondary and complementary health



It is perfectly acceptable to have more than one health insurance plan. You can choose to have health insurance plans from different insurance companies. However, having more than one health insurance does not equate to double benefits, nor does it mean that your doctor will be paid more than once. When you have two insurance plans, one is designated as the primary plan, while the other becomes the secondary plan. To choose which plan falls into one of the categories, the insurance companies came up with a system called Coordination of Benefits (COB). This system consists of a set of rules that determine how your medical bills are divided between your different insurance plans.

Differences between primary, secondary and supplementary health insurance

  1. Primary health insurance: Your primary health insurance is the first to pay its share of your medical bill. This is usually the insurance that your employer sponsors. Even if you are included in your spouse's comprehensive insurance, the one that your employer pays for will still be your primary insurance. In the case of a child who is under his or her parents' separate insurance plans, the insurance for the parent with the earliest birthday is the primary insurance. of your medical claim, your secondary care plan takes effect. It pays the rest of your medical bill that your primary health insurance plan did not cover, up to its limit. For example, if you have a $ 1

    ,000 medical bill and your primary insurance only covers 60% or $ 600 of the bill, the remaining $ 400 will be paid by your secondary insurance.

  2. Supplementary health insurance: Supplementary insurance is the type of insurance you buy on your own to cover medical claims that are not covered by your primary or secondary plan. Most people buy supplemental insurance to cover dental and eye care, as they are generally not included in the health insurance for adults in the United States. It also covers the cost of treating critical illnesses, such as cancer or stroke. Supplemental insurance helps you pay for all costs that you incur with your main health insurance plans, such as deductibles, co-payments and co-insurance.

Advantages and Disadvantages of Having Multiple Health Insurance Plans [19659007] Having multiple health plans provides you with extended coverage. When your primary health insurance does not cover all of your medical bills, you can submit an application to your secondary insurance provider, and this will help offset that difference.

The biggest disadvantage of having multiple health plans is the extra cost that comes with it. Supplementary plans are purchased on their own so that money comes straight from your pocket. You may also have to pay several deductibles for your separate health plans.

Healthcare can be very expensive. The purpose of health insurance is to help cover costs that you may not be able to pay on your own. Do you need help evaluating your health insurance needs? Visit Abbate Insurance for your insurance in New Haven and neighboring cities in Connecticut.


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