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Dependent Coverage 101

When A Dependent Is Covered By Two Health Plans: "Primary" and "Secondary" Coverage

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If a dependent also has access on his or her own to health insurance, such as through a job or because of eligibility for Medicare:

  • Some companies require that dependents with access to their own health insurance rely on that policy as their primary coverage. This means that if there is a claim, the other plan pays first. If more money is owed, the dependent coverage pays next. For more information, see the documents in "To Learn More."
  • An employer that discovers the existence of other primary coverage through an audit may stop paying all or part of a beneficiary's bills. The employer may also insist that the insured return the money that was paid incorrectly. 

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