How to Choose Secondary Health Insurance
The number one mistake people make is to choose a secondary health insurance that covers the same thing. Then the insurance companies will coordinate to "keep you from profiting" and you'll end up with the same gaps in coverage.
Here's how to pick secondary health insurance.Things You'll Need:
- Primary health insurance Agent phone numbers
- Coordinate with your spouse to get the right secondary health insurance.
First, coordinate with your spouse if you have one, and read over what each of your insurance policies cover. If you do not have a spouse with secondary health insurance that covers you, skip to step 2.
Call your respective insurance agents and see which policy will be considered the primary, and get the details on the coverage gaps. Once you find which policy is the primary, the secondary person can change his or her insurance to fill in the gaps with his or her employer or agent.
- Coordinate with your primary health insurance plan first before calling secondary health insurance companies.
If you have no one to coordinate secondary health insurance policies with, and you are getting the secondary policy on your own, first place a call to your primary insurer and find out what all the gaps are in your coverage.
Secondary health insurance should cover all copays, deductibles, and partner pays of the primary insurance. If you have this information when you call secondary insurance plan agents, they can direct you to the proper gap covering plan.
- Make secondary health insurance companies compete for your business.
After coordinating with your primary insurer, be sure to compare all secondary health insurance plans available. Prices for insurance companies are set in stone (until the new health care plan passes), and the only way to get great prices is to compare and haggle as much as you can with agents on the phone with detailed information about the competition.
After you get your rate, don't be afraid to switch if your insurance company tries anything slick. Good luck.
Published by Chrisdavy
AC's licentious, guilty pleasure. What can I say? I write about sex and money. You know, the important stuff. Giggle. (But I do it so well!) Fashion, too. LOL View profile
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