Secondary Health Insurance Covers You When You Need It
Depending on the primary health insurance coverage that you have, you may need to have secondary health insurance as well. There are often cases where your main policy will not cover all the bills that you have. For instance some insurances may not pay for some preventative tests like pap smears and colonoscopies. Believe it or not some insurances don't cover routine physicals. Secondary insurance can help by taking over when your primary insurance falls short.
In many cases, a persons primary insurance is one that is gotten through an employer. It is important to read this policy over carefully so that you know for sure what it does and does not cover. This includes not just the specific items covered, such as prescriptions, but also the amount that is covered. For example, there will normally be a dollar limit to how much is covered in a year or how many doctors visits are covered.
Once you are sure what the primary insurance covers, you can look for secondary insurance that will make up the difference. Dependent coverage is one such important consideration. Other items you may want covered are alternative therapies such as acupuncture and chiropractics.
One of the main ways this kind of insurance can help is when you have an emergency situation or severe health condition that needs to be treated. In these cases, you can sometimes use up all the available coverage on your primary insurance. The secondary plan can help you continue to get the care you need and when you are looking for alternative medicine or may be clinical trials.
In some cases, both members of a married couple will choose to get insurance through an employer, believing that this will cover them in any eventuality. However, this is not always the case. Both policies may have the same exceptions. Also, since it is usually necessary to pay at least part of the insurance premium, you may be spending more each month than you would with one spouse having coverage from an employer and then purchasing secondary insurance.
The first step is to review the coverage of whatever primary health insurance you have already. You can then determine whether you need secondary health insurance, as well as have a better idea of what you will need to have covered. You can then compare the prices and coverage of a few different plans to decide which is best for your situation.
by: Zandra Jones