- Children Diagnosed With Cancer: Financial and Insurance Issues
- Insurance can be complicated
- Private health plan coverage for children
- How to manage your child’s health insurance
- Where can families get answers to questions about health insurance?
- Keeping records of your child’s insurance and medical costs
- Handling a health insurance claim denial
- Keeping employer-sponsored health insurance coverage when you leave your job
- What if my child’s medical care is covered by more than one insurance company?
- Government-funded health plans
- Who regulates insurance plans?
- Options for uninsured children
- State coverage and health insurance options for the hard to insure
- What sources are available to help with treatment costs if my child doesn’t have insurance and there’s no public assistance available?
- Financial issues for families: Getting help with living expenses
- To learn more
What if my child’s medical care is covered by more than one insurance company?
Children who are covered under both parents’ group health insurance plans have one plan considered their primary insurance, while the other is considered their secondary insurance. The primary insurance pays the cost of claims first. The secondary plan pays the rest of the costs not covered by the primary plan, if the treatment is a covered benefit. When a child or teen is covered by the group policies of both parents, the primary insurance usually is the one belonging to the parent whose birthday comes earlier in the calendar year. There are exceptions to this and families should check the details of each policy.
When 2 policies are used, record-keeping becomes much more involved. But depending on how much coverage you get, it may be worthwhile to keep both if you can. For instance, if the second coverage is better and fills in gaps to pay for treatments that the primary insurance doesn’t cover, it may be worth keeping the second one. There are many factors to think about, and each situation is different.
Last Medical Review: 05/16/2013
Last Revised: 05/16/2013