Do you know how dual health coverage works?

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Choosing an insurance policy can be a daunting task, especially if you’ve opted for a private insurance policy. This becomes particularly confusing when we come across the issue of primary and secondary health coverage.
If your employer doesn’t offer health insurance or if you are about to retire and looking for private health insurance coverage, you may wonder how vital health insurance is, especially if you’re a relatively healthy person. Before understanding what primary and secondary health coverage are, it is essential to understand the importance of health coverage both from a health and financial point of view.
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Do I need health coverage?

The answer is simple: yes. We often question and doubt how important it is to have health coverage, and we tend to see it as an expense, especially for people who feel generally healthy and lead a healthy lifestyle, but it’s important to know that people without insurance incur in as much, if not more, out-of-pocket medical costs as those who do. These expenses may include medical services such as doctor visits, medical supplies, and prescription drugs; and although we may not need them regularly, we can never predict when something that will result in overwhelming expenses will happen.Faced with this situation, a health insurance is our best ally, because by paying a monthly premium and complying with our deductibles, we get discounted services, which makes it easier for us to pay for emergencies and various medical situations. Fortunately, there are many types of policies, so there will always be one that suits your needs and characteristics. Policies can range from free state care to private insurance policies with financial assistance available to make monthly premiums more affordable than employer-provided policies. The types of policies may depend on where you live and your income level, so you’ll want to make sure you take your time and do proper research into what your options are.

Can I have two health insurances?

When we come across primary and secondary health coverage, we may get confused, and wonder if we can have two different policies. The answer is yes, even as people get older, they tend to think more about getting some primary coverage, like Medicare, and a secondary policy to supplement everything Medicare doesn’t cover.
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Primary and secondary health insurance

A primary health insurance is one that considers the entire primary coverage, which includes all the basic health care needs, including:
  • Doctor appointments
  • Annual reviews
  • Vaccinations required
  • Prescription drugs
  • Pregnancy care
  •  Among other things
One of the disadvantages of primary coverage is that it may not help you pay for some other medical situations, so there is secondary health insurance, which takes into account what primary coverage does not. Once your primary coverage has paid its share and/or reached its coverage limits, your secondary coverage will be billed for the remaining balance. Depending on the details of the plan, it may cover some or all of the remaining costs.

How does health coverage work?

As you browse the health market, you may come across the term dual insurance coverage, which is also useful for married couples and couples with dependents. It’s important to mention that dependents under the age of 26 (depending on the state you live in) are covered by their parents’ policies and their own school or employer benefits.When someone is eligible for health care benefits under two plans, such as through your employer and your spouse’s, you need to coordinate the benefits to get the most out of each plan, so you’ll need to identify one of them as the primary plan. The advantage of having dual coverage is that every expense you must cover will go through the primary plan first, and the remaining balance could be covered by the secondary plan. When coordinating benefits, you may wonder, what is the process for determining which company is primary and which is secondary? This will depend on your particular situation.
  • Individuals: You can purchase multiple health insurance policies, however, in many cases you will need to purchase a main policy and add supplementary policies.
  • Married couple with different plans by their employers: Your plan will be the main one, and your spouse’s plan will be the secondary one.
  • If you have a health plan and receive Medicaid: Your health insurance plan will be the primary plan, and Medicaid will be the secondary plan.
  • You are a dependent and your married parents have a different plan each: Your oldest parent’s plan will be the main one.
  • You are a dependent with divorced parents: If the parents have joint custody, your oldest parent’s plan will be the main one. If not, the parent with custody will be the parent with the primary plan.
  • Children under 26 (depending on the state you live in) married but covered by their parents’ plan: Your insurance will be the main one.

How to use health coverage?

After identifying the primary and secondary plans, you should inform the insurance companies that provide your health care. Once you’ve done this, your doctors will know how to process claims.If you want to add someone to your plan, you’ll need to check the steps in your specific policy, as you’ll need to update it and either sign up for a family plan or add your spouse as a dependent, which will likely mean an increase in premiums and deductibles.

More frequently asked questions 

Since it is a lengthy and complex topic, many doubts may arise, some of the most frequent are the following:
  1. Do I need both primary and secondary health insurance coverage?
No, it’s not necessary, but it can be very beneficial for those looking to increase their overall savings on out-of-pocket medical costs.
  1. Does secondary insurance pay the main deductible?
This depends on the plan you have. Many secondary plans can help you pay for expenses that the primary plan doesn’t take into account. Be sure to check the information on your policies to know what to expect from each of them.
  1. Can dependents be covered by parents ‘ primary and secondary health coverage?
Yes. Depending on the situation, most dependents under the age of 26 may remain under their parents’ health insurance.If you still have doubts, don’t forget that Blanca from Bybs Group can advise you, or you can also check out our frequently asked questions here.


Looking for primary and secondary health coverage can be a daunting process; however, all of this can be easier when you have a health insurance expert like Blanca Your Best Solution by your side, who offers you knowledge, help and guidance during the choice of your health plans. For more information visit our website, where you will find the different coverages we offer. We have guaranteed approval coverage, which allows you to enroll regardless of your health status, or for those who do not qualify for public health insurance. ( #CallBlanca Now! (202) 316-4503
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