dual insurance question

I checked with my primary insurance and i am not eligible for surgery because i havent been with my employer for 5 years my secondary insurance i am eligible now according to dr office.... Since i am not eligible under my primary will i be able to use 2nd insurance to have coverage now? The reason i am asking is because on 09/22/13 will make my 5 years if i dont get surgery done under my 2nd insurance before that date my primary has a ton of stipulations i have to do before approval... What do yall think??? Please give me some advice!

Primary always comes first, if primary does not pay secondary will not either.

Ok i finally just broke down and called the insurance company.. the rep told me that if i wasnt eligible under my primary insurance as long as i met all the requirements under the secondary then i would be eligible she said they always submit request to primary then when denial comes back they submit to secondary and since my denial for primary has nothing to do with the need for the surgery she said it should get approved since i meet all the qualifications under that policy

 

You are extremely lucky!  Did you get this in writing??