Secondary Medicare begins to pay after another insurance has paid, whatever should be paid. This means that secondary medical care pays the deductibles, copayments and additional expenses up to the insurance limit.
Regardless of any other insurance cover, primary medical care is paid first.
Many persons believe that it is better to choose primary plans than secondary plans, but that’s not the case.
Even if the travel insurance you have is secondary coverage, your secondary coverage will by default become primary if you have no other coverage.
A travel insurance is not a “paid by order” plan. What does that mean?
Travel insurance functions in a different way from your common health insurance. In many cases, you cannot just submit your medical identity card to the door when you enter a medical facility and have the costs paid for.
Rather, with many travel insurance, you will need to pay the medical bills by yourself (call your travel insurer immediately) during your trip, and then submit the supporting documents with your application.
The primary cover can facilitate the payment. For instance, for some plans, the company will arrange prepayment if the insured need admission to a hospital.
What happens if I have Medicare with a Medigap supplement?
A Medigap, also known as the Medicare Supplementary Plan, may provide healthcare coverage worldwide, but under these plans, Medigap would typically pay 80% for the cost of emergency care during the first 60 days. For these plan, there is also a lifetime limit of $ 50,000.
If you have previously claimed your Medigap Plan, you must consider this total claim to decipher how much coverage you have for the limit of your lifetime. Remember that a travel insurance contract with medical coverage pays the balance.
Also, consider that choosing a first-aid travel insurance plan might be the wisest choice. Should you have a medical claim to your trip, you will not consume any part of your lifetime limit that you may need at home.
So, what does the travel insurance coverage include? Here is a very short answer: medical expenses, cancellations, evacuations, delays or losses, and 24-hour help.
These are the 5 basic types of coverage offered by travel insurance. You know that travel insurance provides medical first aid or secondary medical care, see what that means: Get a 2019 advantage plan here https://www.medicareadvantageplans2019.org/aarp-medicare-advantage-plans-for-2019/
Primary and secondary price comparison
To explain a comparison of cost between primary and second coverage, we have loaded the following details of a trip into a comparison engine:
- Age of the traveler: 38
- Duration: 5 days
- Travel expenses: $ 3,850
Then, select 2 plans that have the same coverage limits:
- Interruptions: $ 5,675
- Cancellation: $ 3,850
- Medical or Dental: $ 55,000
- Evacuation: $ 500,000
The above is just a brief comparison of travel insurance plan prices using the usual travel details normally. Depending on your travel plans, all of these plans have a special benefits and coverage that make one more attractive than another.
The point here is that primary medical care does not necessarily mean a big difference in price.