What does "secondary insurance" cover?

Secondary insurance is designed to provide coverage for medical expenses that the primary insurance does not fully cover. This means that after the primary insurance has processed a claim, the secondary insurance can help cover any remaining costs, such as deductibles, copayments, or any excluded services.

This layering of insurance helps reduce the out-of-pocket expense for the insured individual and ensures that a wider range of healthcare needs can be addressed. It acts as a supplementary policy that fills in the gaps left by the primary coverage, making healthcare more accessible and affordable.

In contrast, options focused on preventive services, comprehensive coverage without restrictions, or emergency services only do not accurately capture the primary role of secondary insurance, which is specifically about covering costs that remain uncovered after the primary insurance has made its contributions.