What Is Secondary Health Insurance

What Is Secondary Health Insurance. Primary health insurance is the plan that kicks in first, paying the claim as if it were the only source of health coverage. A separate plan that offers additional benefits is called secondary insurance.

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Tertiary care is a higher level of specialized care within a hospital. What is secondary health insurance? Supplemental or secondary health insurance is merely another policy that serves to “wrap around” your primary health care policy.

It can also provide benefits for uncovered health services, such as vision or dental.


Secondary health insurance is coverage you can buy separately from a medical plan. Similarly, quaternary care is an extension of tertiary care, but it is more specialized and unusual. Enrolling in additional secondary healthcare coverage can be extremely beneficial for a number of reasons.

Typically, secondary insurance is billed when your primary insurance plan is exhausted and may help cover additional health care costs.


Then the secondary insurance plan picks up some or all of the cost left over after the primary plan has paid the claim. You may be responsible for some health care costs. Get the best quote and save 30% today!

Secondary insurance is a health insurance plan that covers you in addition to your primary insurance plan.


When you’re sick, your primary insurer picks up the brunt of your medical expenses and. If the primary insurance covers a bill completely, the secondary policy is irrelevant. A secondary insurance policy is a plan that you get on top of your main health insurance.

For example, if you have a group policy through your employer, you pay for a private individual or family policy through an insurance company.


There are many examples of why a client may have more than one form of health insurance coverage. How does dual insurance coverage work? Once your primary coverage has paid its share and/or met its coverage limits, your secondary coverage is then billed the remaining balance.

Primary insurance would really cover all costs under its policy limits, while the secondary would pick up some additional costs if the secondary policy covers these costs and the primary actually does not.


Secondary insurance is a supplemental plan, which might be a plan offered through a spouse's employer or paid for by the individual. This secondary insurance could be a vision plan, dental plan, or an accidental injury plan, to name a few. More often, it’s a different type of plan you’ve purchased to extend your coverage.

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