Question:
Primary insurance doesn't have a waiting period but secondary does

So now what do I do? I want to set up an apt for a consult with the Winlife program in Indianapolis but my secondary insurance has a 6 month pre-excisting condition clause (like I just gained all this weight recently..)or something to that matter it was all over my head..but I do know I have to wait until June to try. Now, my primary doesn't have this clause..what is going to happen? should I even make the consult apt? won't the insurances fight over who is responsible? OMG I am so confused LOL! Thank you so much for reading my jibberish (which insurance is to me LOL!)All answers appreciated :0)    — Angela L. (posted on January 7, 2002)

January 7, 2002
Angela, First of all, make sure you know which is primary and which is secondary. If you have insurance where you work and you are also covered where you husband works, your insurance is primary and his is secondary. For him, it's the other way around. His is primary for him and yours is secondary. The way it works is this. Your primary insurance pays whatever it's required to. Your secondary insurance can pick up the rest. If your primary insurance pays most of it, you may not want to wait for the secondary insurance to pay. It just depends on how much your insurance pays and how much of what they don't pay for you can afford. If you really need for the secondary to help with the payment, you'll have to wait till your pre-existing period is over.
   — garw