I'm confused in the region of primary and minor condition insurance?
My daughter is on my policy, where all of the payments come out of a fund set at the launch of the year, so if it is $1,000 that can be wiped out by one trip to the ER. Also, she is on her father's plan which is a taditional co-pay plan. Would it work out to my advantage to use his at primary and mine as minor? Can the co-pay requirement from his insurance be paid from my plan?
Answers:
Generally, the parents birth date is what drives who is primary and lower for a child. Example: Dad's birth date is 5/20 (year does not matter) Mom's birth date is 7/24 so, dad would be primary and mom would be secondary. However, sometimes custody issues come into play as well as endorsed arrangements after divorce.
You don't get to choose which policy is primary, in form insurance - primary/secondary coverage is determined, for your children, by birth date.
For an adult, your policy would be primary for you; if your husband also had coverage for you through his work, that one, would be SECONDARY for you, but primary for him.
Here are the rules of the National Association of Health Insurance Commissioners. These rules are listed contained by order - the first one to apply to you will be used to process claims.
1. If the Policy Holder is the same for both contracts:
a. The plan that covers the policyholder as an stirring employee is primary.
b. If the policyholder has indistinguishable employment status (active/retired) under both plans, the plan with the earliest influential date is primary.
2. If the Policy Holder is the spouse or domestic partner:
a. The plan that covers the policyholder as an employee is primary. The spouse's is secondary.
3. If children are covered below more than one policy and the parents are married or living together:
a. The policy of the parent whose birthday (month and day) is earlier in the year is primary.
b. If the parents share duplicate birthday (month and day), the policy with the earlier powerful date is primary.
4. If children are covered under more than one policy and the parents are divorced or living apart:
a. The policy of the parent that the court has made responsible for robustness care insurance is primary.
b. The policy of the parent who has custody of the children is primary.
c. If the court have not placed responsibility on one parent to insure the children and the parents have joint custody, the policy of the parent whose birthday (month and day) is faster in the year is primary. If the parents share the same birthday (month and day), the policy beside the earlier effective date is primary.
d. If the fluent parent elects to have coverage below the policy of the step parent, we will consider the policy to be that of the natural parent.
These rules do not apply when one policy is Medicare. Your state laws may ebb and flow. Source(s): 35 years insurance industry
ive never heard of birth dates making a difference. Im guessing the court would prefer that if you two had a issue. I think it make more sense to do it the way your saying. Co-pays are made at the time of service so they would not use your insurance for the co-pay. You may never involve your insurance if his dads has no limits and everything only just co-pays. In that case either use yours first so it get used or just cancel yours because you'll never want it.
Related Questions:
Answers:
Generally, the parents birth date is what drives who is primary and lower for a child. Example: Dad's birth date is 5/20 (year does not matter) Mom's birth date is 7/24 so, dad would be primary and mom would be secondary. However, sometimes custody issues come into play as well as endorsed arrangements after divorce.
You don't get to choose which policy is primary, in form insurance - primary/secondary coverage is determined, for your children, by birth date.
For an adult, your policy would be primary for you; if your husband also had coverage for you through his work, that one, would be SECONDARY for you, but primary for him.
Here are the rules of the National Association of Health Insurance Commissioners. These rules are listed contained by order - the first one to apply to you will be used to process claims.
1. If the Policy Holder is the same for both contracts:
a. The plan that covers the policyholder as an stirring employee is primary.
b. If the policyholder has indistinguishable employment status (active/retired) under both plans, the plan with the earliest influential date is primary.
2. If the Policy Holder is the spouse or domestic partner:
a. The plan that covers the policyholder as an employee is primary. The spouse's is secondary.
3. If children are covered below more than one policy and the parents are married or living together:
a. The policy of the parent whose birthday (month and day) is earlier in the year is primary.
b. If the parents share duplicate birthday (month and day), the policy with the earlier powerful date is primary.
4. If children are covered under more than one policy and the parents are divorced or living apart:
a. The policy of the parent that the court has made responsible for robustness care insurance is primary.
b. The policy of the parent who has custody of the children is primary.
c. If the court have not placed responsibility on one parent to insure the children and the parents have joint custody, the policy of the parent whose birthday (month and day) is faster in the year is primary. If the parents share the same birthday (month and day), the policy beside the earlier effective date is primary.
d. If the fluent parent elects to have coverage below the policy of the step parent, we will consider the policy to be that of the natural parent.
These rules do not apply when one policy is Medicare. Your state laws may ebb and flow. Source(s): 35 years insurance industry
ive never heard of birth dates making a difference. Im guessing the court would prefer that if you two had a issue. I think it make more sense to do it the way your saying. Co-pays are made at the time of service so they would not use your insurance for the co-pay. You may never involve your insurance if his dads has no limits and everything only just co-pays. In that case either use yours first so it get used or just cancel yours because you'll never want it.
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