Primary vs Secondary Coverage

[haynesra]

If your current health plan covers overseas travel, does that insurance become primary or secondary vs the insurance purchased as travel coverage?

[iamtrustworthy]

1 hour ago, haynesra said:

If your current health plan covers overseas travel, does that insurance become primary or secondary vs the insurance purchased as travel coverage?

Hi haynesra,

 

If you ask your current health plan, it's likely they will say they pay primary.

However, if you get a travel insurance that says it's Primary or First Payer, then you can submit medical to it first so it pays as Primary.

 

Depending on your ages and what your current health plan is, you might not be better off allowing travel insurance to pay as Primary.

 

Look at this page for more specific information and other scenarios:

https://tripinsurancestore.com/how-primary-and-secondary-travel-insurance-medical-coverage-works/

 

Steve Dasseos

[haynesra]

Thanks for the information. Very helpful.