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.
For more information, see:
- Coordination of Benefits
- Coordination Of Benefits : When You Are Covered Under Two Or More Health Plans
- Coordination of Medicare And Other Health Benefits
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