{"id":2017,"date":"2009-09-30T12:55:09","date_gmt":"2009-09-30T20:55:09","guid":{"rendered":"http:\/\/www.TripInsuranceStore.com\/blog\/?p=2017"},"modified":"2009-09-30T12:55:09","modified_gmt":"2009-09-30T20:55:09","slug":"are-claims-easier-with-primary-coverage","status":"publish","type":"post","link":"https:\/\/tripinsurancestore.com\/blog\/are-claims-easier-with-primary-coverage\/","title":{"rendered":"Are Claims Easier With Primary Coverage?"},"content":{"rendered":"
Subscribe<\/a><\/div>\n

Hey Steve, I was wondering if the policies that provide primary medical coverage are more or less of a hassle to process a claim than the ones that provide secondary coverage? Thanks, Jim<\/p><\/blockquote>\n

Great question Jim! There’s so much confusion about primary and secondary medical coverage in a travel insurance plan that it’s not as simple as saying “primary plans are better”.<\/p>\n

If your regular health insurance company is a pain to deal with, then primary coverage in your travel insurance plan has a distinct advantage over secondary medical coverage because it’s a lot less paperwork and is a time saver.<\/p>\n

The only drawback to a primary medical plan is if you have a medical claim that exceeds the policy’s primary medical limit.<\/p>\n

For example, here’s what happens if you have a $70,000 medical claim with a travel insurance plan that has $50,000 Primary coverage:<\/p>\n

    \n
  1. You submit the $70,000 medical claim to the travel insurance. It pays $50,000 (its maximum)<\/li>\n
  2. You submit the remaining $20,000 to your medical insurance plan. Let’s say it has a $5,000 deductible with a 20% copay.<\/li>\n
  3. Of the remaining $20,000 your medical insurance plan will pay $12,000 and you will be liable for at least that $8,000. You could be liable for more.<\/li>\n<\/ol>\n

    In this example, you would have been better off with a secondary medical coverage in your travel insurance plan. I cover this more in detail here:
    \n    https:\/\/tripinsurancestore.com\/how-primary-and-secondary-travel-insurance-medical-coverage-works\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    Subscribe Hey Steve, I was wondering if the policies that provide primary medical coverage are more or less of a hassle to process a claim than the ones that provide secondary coverage? Thanks, Jim Great question Jim! There’s so much confusion about primary and secondary medical coverage in a travel insurance plan that it’s not […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,4],"tags":[],"class_list":["post-2017","post","type-post","status-publish","format-standard","hentry","category-ask-steve-dasseos","category-how-travel-insurance-works"],"_links":{"self":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts\/2017","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/comments?post=2017"}],"version-history":[{"count":0,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts\/2017\/revisions"}],"wp:attachment":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/media?parent=2017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/categories?post=2017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/tags?post=2017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}