When you have health insurance from two or more providers, various criteria are used to determine the primary coverage, according to the Illinois Department of Insurance. The main factor considered is whether you are a primary subscriber or a dependant in the insurance coverage.Continue Reading
The health insurance plan that offers coverage for an employee, subscriber or member is considered the primary payer over the plan that covers a person as a dependent, retiree or laid-off employee, according to the Illinois Department of Insurance. All things being equal, the plan that you have subscribed to for the longest is the primary payer.
In certain cases, such as in a no-fault accident, the accident coverage is considered the primary payer and the health insurance coverage is the secondary payer, according to the Centers for Medicare and Medicaid Services. Similarly, Workers' Compensation payments are considered primary if a worker is entitled to compensation of injuries sustained at work before Medicare payments are made.
When a person has more than one health insurance coverage, the primary payer makes the first payment, which means that it pays until reaching the limit of the coverage before the secondary payer takes over, according to the Illinois Department of Insurance. The terms do not mean that the primary payer makes the first payment.Learn more about Insurance
Common benefits of group health insurance coverage include the tax benefits for employees and the payments that employers usually contribute toward the premiums, reports the National Association of Health Underwriters. By law, insurance companies cannot deny small or large businesses or individual employees coverage due to pre-existing health conditions. Federal law also stipulates that group plans must provide participants with important plan information and must temporarily continue to cover employees after they lose their jobs.Full Answer >
Keystone Insurance offers coverage for businesses and individuals, including motor vehicle, homeowners, life, disability and health insurance, according to Keystone Insurers Group. Business coverage includes workers compensation, industry, small and large business insurance, and group medical, dental and vision policies. The company provides umbrella coverage and individual policies covering watercraft, recreational vehicles and snowmobiles. Keystone also insures dwellings against damage from natural catastrophes such as fires, floods and earthquakes.Full Answer >
Some benefits for customers of Drive New Jersey Insurance Company include low cost, accessibility through various providers, and coverage for custom auto parts, according to Progressive. Drive New Jersey is a division of Progressive Insurance, and it began offering auto insurance in New Jersey in 2005. Its entrance into the market drove down auto insurance by an average of 5 percent, as stated in a news release by Progressive in 2006.Full Answer >
The type of health insurance that is best varies widely depending on an individual's financial situation and health care needs. Some families may need ongoing coverage, while others may need insurance only for emergency care, says About.com. This makes it important to carefully evaluate policies before buying.Full Answer >