What are the benefits of having primary and secondary medical coverage?

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Asked July 13, 2010

1 Answer

It is not a good idea to belong to two major health insurance plans. In the event of a claim, the companies would be able to dispute which one had the responsibility to pay the claim, and you could end up facing the costs out of pocket instead. Having supplemental coverage makes very practical sense, though, as it allows you receive plan benefits that are not available through your primary health insurance.

One excellent example of why secondary, or supplemental, coverage can be important is the case of prescriptions. Many health insurance plans do not include prescriptions as part of the coverage, and that means that without a secondary plan you are forced to pay the cost of medications yourself. This type of secondary plan does not interfere with the primary insurance plan, but offers you discounts or cost-free prescriptions, often only at participating pharmacies that belong to the group secondary health insurance group.

Another example of secondary health care being helpful is the case of copayments that are required under your primary plan. A supplemental health insurance program might cover copayments and other costs that are not covered under your primary plan, which often amounts to 20% or more of your total medical needs.

The key is to make sure that your secondary plan is not duplicating benefits of your primary health insurance. The plan should be supplemental, and offer you assistance in areas that are omitted from the original plan, or procedures that are not covered at all, such as a supplemental dental plan in addition to a traditional health insurance plan that does not include dental procedures at all.

Answered July 13, 2010 by Anonymous

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