As you probably know your primary health insurance covers your basic medical expenses like doctors’ visits, lab tests and prescription drugs. But your medical plan can’t cover everything. A separate plan that offers additional benefits is called a secondary insurance.
Your secondary health insurance can be another medical plan, such as through your spouse. Moe often, it’s a different type of plan you’ve purchase to extend your coverage. In that case, you may hear it referred to as voluntary or supplemental coverage. All you need to remember is that primary and secondary plans work together to offer you coordinated benefits.
Different people need different supplemental plans, depending on their circumstances.
Watch the video below to learn the different coverage options.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.