What is primary insurance coverage?

Primary insurance coverage refers to the health insurance plan that has the primary responsibility for paying medical claims before any other insurance coverage takes effect. It is typically the insurance plan of the person who is considered the policyholder or subscriber. This means that when receiving healthcare services, the primary insurance coverage is the first one approached for coverage and payment, up to the limits of the policy. Only after the primary insurance has paid its share will secondary or supplemental insurance plans be considered for additional coverage. Primary insurance coverage ensures that individuals receive the benefits and coverage specified in their primary insurance plan, reducing their out-of-pocket costs and providing a safety net for medical expenses.