Protect Your Family’s Health with Primary and Secondary Insurance Plans.

Are you confused about whether to get primary or secondary health insurance? Finding the right insurance policy is a frustrating task. Are you wondering about the importance of getting health coverage? What is the difference between secondary and primary health coverage? Primary & secondary insurance rules help the insurance company to identify the secondary and the primary coverage plan.

Primary & secondary insurance rules.

Birthday rule.

It applies to children covered by both their parents’ health insurance plans. It will help the insurance company to determine the primary coverage plan. The parent who has the earliest birthday month will provide the primary insurance coverage. If the parents have the same birthday, the one with the longest health insurance plan will provide the primary coverage.

Inactive/active rule.

If you are an active employee, the primary insurance plan is the one provided by your employer. If you are an inactive employee, the secondary insurance plan will be the group insurance coverage.

Non-dependent/ dependent rule.

If you are the primary subscriber of the insurance and not a dependent, you will use this plan as your primary coverage. If your spouse covers your plan, your secondary insurance plan will be his insurance.

Importance of health insurance coverage.

If you lack insurance coverage, you will have to dig deep into your pockets to cover your medical cost. Out-of-pockets cost may include the following:

  • Obtaining prescription drugs.
  • Getting medical services like seeing a doctor for sinus infection.
  • Obtaining medical supplies like contact lenses or breathing apparatus for those who have difficulty in breathing.

You can never know for sure or predict when you can fall ill. Anything can happen. To be safe, you should get covered. Health insurance will protect you from a massive medical bill that arises when you get sick. You will be required to pay monthly deductibles to get discounted services from the insurance company. The type of insurance policy available varies depending on eligibility and income levels. It means that any individual can afford to get covered by choosing an option within their price range. These policies may range from private insurance to free-state care insurance. Research your policy options by considering your income level and where you live.

Dual health insurance coverage.

It is possible to be covered by more than one health insurance. You can have a primary insurance policy and apply for a secondary insurance policy to cover what the primary policy cannot. Consumers with dual insurance coverage include:

  • The elderly.
  • Married couples.
  • Couples with dependents.
  • Dependents aged below 26 years are covered by their parents’ policies, employer benefits, and schools.

Primary health insurance.

This plan covers your basic health care needs. These includes:

  • Annual examinations.
  • Prescription drugs.
  • Doctor’s visits.
  • Pregnancy care.

You should invest in secondary coverage if there are gaps in your coverage.

Secondary health insurance.

The primary coverage pays its coverage limits then the secondary coverage will cover the remaining bills. It will depend on the coverage details.

Coordination of benefits.

To ensure you maximize the coverage and get the best from two different insurance plans, you should coordinate your benefits. Identify one plan as the primary coverage and the other as the secondary coverage to achieve maximum savings. When you submit any claim, it will go through the primary plan first. The remaining balance will be covered partly or entirely by the secondary plan.

How to use dual insurance coverage.

After identifying which is the primary and secondary plans, inform your health care providers with this updated information. You should update your files before visiting your primary care provider to avoid any delays during your visit to the hospital. Visit the online patient portal, to input the new insurance data to keep your files updated. You can also contact the insurance provider office by making a phone call or going to their offices. The doctor will know how to process your claims as long as you have indicated the primary and secondary coverage plan. Understand the benefits of both plans.

Is it possible to add someone to your coverage plan?

Maybe you recently got married and want to add your spouse to your insurance policy as secondary coverage. How will you go about this? It will all depend on primary & secondary insurance rules of the coverage plans. You will need to update your policy to cover your spouse as a dependent or enroll in a new family plan. It may lead to an increase in deductibles and premiums.

If you need to add your spouses’ children to your plan, you will have to confirm that the child is not covered by their biological parent’s medical plan as secondary coverage. If the child’s parent is covered by their spouse and that’s their only coverage plan, this same plan will cover the spouses’ children.

What should you look for in your health coverage plans?

If your employer does not provide health coverage plans, you should look for a plan that will cover your family. Do your research on the various primary and secondary insurance policies available. A standard gold and silver plan is suitable if everyone in your family is considered relatively healthy. You should consider a primary plan that offers higher coverage if someone in your family suffers from illnesses that requires medication, counseling services, or hospitalization. For secondary insurance coverage, you should choose a more standard plan to cover the expenses not catered for by the primary plan. If you need guidance throughout the process, you should seek the help of an insurance professional.


Health insurance coverage will help you to save a lot of money used to cover medical bills. Primary insurance will cover basic care needs. Secondary insurance will cover the remaining amount not covered by the primary insurance. The primary & secondary insurance rules will determine who you can cover in your insurance plan. Consumers who use dual coverage plan includes the elderly, married couples, and couples with dependents.  When you coordinate your benefits, you will maximize your coverage and enjoy the best from two different insurance plans.

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