Dual Health Insurance coverage: How to Get Full Benefit

Oct. 22, 2012 - PRLog -- Dual health insurance coverage term is used when person needs more than one kind of health insurance coverage. Married people who are working often have such benefits but lack of awareness keeps them away from getting full benefit of the plan. Couples carry separate health care coverage with the hope of getting adequate benefit and aids. But such plans led to lots of confusion in initial terms especially due to lack of coordination. If you have dual health coverage then each company should be agree to provide health coverage in a certain order. In order words, if a company is coverage health claim for first then second claim should be covered by the second company.

In dual health insurance ( Visit - http://www.privatehealthinsurance247.co.uk/ for details ) plans, first company coverage is considered as primary coverage which has better health care coverage whereas second one is considered as secondary coverage. Selection of primary coverage also depends upon the process initiated by the insurance holder. It is important for insurance holder to notify each company about the coverage of another one. After getting the notification, each company can review the policy information and other associated terms to determine the primary and secondary coverage plans. In general situation, the plan that is initiated by the insurance holder play as primary plan.

If you want both health insurance to work then both companies must be agreed with payment arrangement. In order to process a medical claim, you must have correct information. Original and itemized medical bill is necessary for primary health care provider. In secondary insurance coverage, you will need to show the copy of medical bills along with the details of coverage that you receive from primary source with explanation of the facts that they have already paid their portion of coverage.

It is important to keep the details of medical bills and insurance coverage in dual medical insurance coverage. You should also know that having dual health care coverage is not always beneficial. You must verify the terms of secondary coverage. In some situations, insurance holders end with getting nothing and pay too much for the coverage. So, selection of dual health coverage should be considered wisely.