The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App 
Professionals >> Visit The Body PROThe Body en Espanol
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
Rollover images to visit our other forums!
  • Email Email
  • Glossary Glossary

Primary vs. Secondary
Mar 20, 2003

Dear Experts, I medically retired from a self insred municipality in July 2001 due to liver disease. My husband is covered by a difference company and am considered to be a dependent on his. My insurance co has now decided that since my husband "is the spouse who is actively employed" that his ins co is primary. His ins co says no, my insurance is primary. So in a nutshell I have two insurance and a whole lot of bills that are not getting paid. My former company has informed me that since they are self-insured that they can do anything they want and refuse to pay any of my bills even though I continue to pay the mo premium.

It has always been my understanding that whoever holds the insurance is primary and any other insurance would be secondary.

Have you every run across this problem before???

Thanks for your help!


Response from Ms. Franzoi

You need to review the summary plan descriptions for both your plan and your husband's plan. These will explain how each plan determines when that plan is primary and when it is secondary. This should help you determine which plan is primary.

Returning to Work after SSDI
Changing jobs what happens to my medical coverage

  • Email Email
  • Glossary Glossary



This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.

Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint