If you have coverage from more than one plan, such as a spouse or domestic partner plan, one plan typically serves as the primary plan when you file a claim for health insurance.
The coinsurance for your primary plan will typically cover your costs first.
While the coinsurance for your secondary plan will typically cover any costs that your primary plan has not covered.
“Coordination of benefits” is the process of using two insurance plans to cover a cost.
In order to ensure that your bills are sent to the appropriate payers in the appropriate order, enrollees in Medicare should check with their providers and coverages first.
The coordination of benefits may differ depending on the circumstances.
Deductibles on policies are set at the beginning of each new policy year. Therefore, if you meet your $500 deductible in June and your policy is renewed in July.
Your deductible resets and typically requires you to pay $500 out of pocket before your coinsurance kicks in once more.
