Question

Critical Thinking Activities

A. Primary and Secondary Insurance

In the Swann family, the mother has insurance from her own employment (individual plan) and the father has insurance from his employment (family plan). The mother’s birthday is January 31, and her husband’s birthday is May 10. Whose insurance is the primary insurance and whose is the secondary insurance (if any) for each of the following family members?

1. mother   2. father   3. Son   4. daughter

primary insurance: secondary insurance: primary insurance: secondary insurance: primary insurance: secondary insurance: primary insurance: secondary insurance:

In the McGrath family, the mother has insurance from her own employment (family plan) and the father has insurance from his employment (family plan). The mother’s birthday is January 31, and her husband’s birthday is May 10. Whose insurance is the primary insurance and whose is the secondary insurance (if any) for each of the following family members?

5. mother 6. father 7. son 8. daughter

primary insurance: secondary insurance: primary insurance: secondary insurance: primary insurance: secondary insurance: primary insurance: secondary insurance:

Answer 1

Primary insurance is a health insurance plan that covers a person as an employee or member. Primary insurance is billed first when you receive health care. For example, health insurance you receive through your employer is typically the  primary insurance.

Secondary insurance is coverage that is available in addition to a primary health insurance plan and covers gaps in health insurance coverage. Since most major medical plans do not cover all of your needs (such as dentistry and eye health), supplemental dental and vision plans can be purchased to add coverage to these areas.areas.

A. 1.MOM- Primary Insurance via her Company.

And Secondary Insurance by her Husband's Family plan

2.FATHER- Primary Isurance by her Company

3.SON- Primary Insurance by his father's Family plan

4.DAUGHTER- Primary Insurance by her father's Family Plan

B. 5. MOM- Primary Insurance by her Company and Secondary Insurance by her Husband's Family plan

6.FATHER- Primary Insurance by his Company and Secondary Insurance by her wife

7.SON- Primary insurance by her Mother's Family plan and secondary Insurance by his Father's Family plan.

8.DAUGHTER- Primary Insurance by her Mother's Family plan and secondary Insurance by her Father's Family plan.

​​In case of kids are covered under both parents’ plans, there are some general guidelines that help determine which plan is primary and which is secondary.

Primary coverage generally comes from the plan that belongs to the parent whose birthday comes first in the year. As here mother's birthday is On 31st January and Father May 10 so. Mother's Plan will be considered Primary.