PLEASE READ THIS IMPORTANT INFORMATION!!!
Ths information is for clients who have TWO Private Commercial Insurance Policies.
You are seeing this message becasue you indicated that you have TWO Private Commercial Insurance Policies.
- For clients who have both primary and secondary private insurance, the insurance companies have rules to determine which insurance is considered primary and which insurance is considered secondary.
- Below you will find the rules private insurance companies use to determine which insurance is considered primary and which is considered secondary.
- Since you indicated that you have two insurance, please review the rules below to determine which of your insurance policies Wellness Solutions should use to help you pay for your services.
- Please note that if you have one public insurance policy, such as, Medicaid, and you have one private insurance policy, such as a Cigna commercial policy, then the private commercial policy is always primary.
How to Determine Which of Your Two Insurances is Primary:
- The Birthday Rule is a guideline used by insurance companies to determine the primary and secondary insurance coverage for a dependent when the client has two insurance plans.
- Primary Insurance: The insurance policy of the parent whose birthday (month and day, not year) comes first in the calendar year is considered the primary insurance. This means that the insurance plan of the parent with the earlier birthday will pay first.
- Secondary Insurance: The insurance policy of the parent whose birthday falls later in the year becomes the secondary insurance. This plan covers costs that the primary insurance does not cover, subject to its own terms and conditions.
- Example: If one parent’s birthday is on March 10th and the other’s is on July 25th, the insurance policy of the parent with the March 10th birthday would be the primary insurance, and the policy of the parent with the July 25th birthday would be secondary.
Important Notes:
- Year of Birth: The year of birth is not considered—only the month and day.
Exceptions: If the parents are divorced or separated, the custody agreement or court order may determine which insurance is primary. Additionally, some states or insurance plans may have different rules.
- SUPER IMPORTANT: Wellness Solutions only bills primary insurance. Wellness Solutions does not bill secondary insurance. Please use the abive information to determine which of the two insurance policies you will use for your services. You cannot just pick one insurance based on preference. Any services denied by insurance will be the responsibility of the client to cover. If you provide the incorrect insurance policy then the services may be denied and the client will be responsible for all denied charges.