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Secondary insurance policies

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#1 beachalice


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Posted 13 May 2017 - 12:33 PM

Can anyone help explain how secondary insurance works with regard to surrogacy?

I know in the general healthcare world, a person could be covered by two policies. Maybe spouses both have coverage for each other through their workplaces or an adult child has limited benefits from work with full coverage under parents, etc.
In this case the PRIMARY coverage is always the employer's plan first. Then any secondary policy can help cover additional costs after deductibles are met. There can be significant financial consequences if the claims are submitted out of protocol.

In the world of surrogacy, some policies do not cover surrogate pregnancy costs - and some even go to the extent of threatening liens against compensation. How do secondary policies work in this instance? Do surrogates simply not mention their primary coverage? Are there any potential areas of concern?

With manadatory health insurance now, insurers are submitting proof of coverage (Form 1095) to the IRS. What happens when two companies submit their proof of coverage for a single patient? Can the insurance companies find out the Primary policy was not billed and cause grief for surrogates?
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