Some people have two types of health insurance, either commercial and Medicaid/Medicare or two different commercial plans (usually when each parent has health insurance through work). While this can help ease financial burdens, knowing the rules will help prevent hassles and headaches down the road.
- The primary insurance is billed first and the secondary insurance picks up what’s left (under the terms of their policy).
- Always present both insurance cards and make sure the staff knows which is your primary insurance.
- Medicaid is ALWAYS the secondary insurance (frequently called the “carrier of last resort”). Many preemies are eligible for Medicaid at birth based on birth weight.
- If you have 2 commercial insurances, you don’t get to pick which is your baby’s primary insurance. Primary insurance is determined by the parent whose birthday falls earlier in the calendar year (how’s that for crazy?).
- Having 2 commercial insurance plans is not like having 2 cars, you don’t get to pick chose which one you use. You must satisfy ALL the requirements of the primary insurance before the secondary kicks in. So, if your primary denies a service or medication, your secondary insurance will only cover it if you have a denial letter from the primary (so it doesn’t prevent any hoop jumping).