What is secondary insurance coverage?

Secondary insurance coverage refers to a type of health insurance that complements and enhances primary insurance coverage. For individuals with multiple insurance policies, secondary insurance pays a portion of the remaining medical expenses that are not covered by the primary insurance plan. It works by stepping in to cover costs that the primary insurance plan does not fully reimburse, such as deductibles, copayments, and other out-of-pocket expenses. This additional coverage helps ensure that beneficiaries receive the necessary medical care without incurring substantial financial burden. Secondary insurance can be acquired through employer-sponsored plans, private health insurance providers, or government programs like Medicaid. It plays a crucial role in providing comprehensive coverage and reducing out-of-pocket costs, particularly for individuals with complex healthcare needs.