Every parent wants to ensure their child has adequate health insurance to cover their needs. When parents are divorced, one parent may be legally required to provide medical coverage; however, this coverage may not address all of the child’s needs. In such cases, many parents wonder if their child can be listed on two different health insurance plans.
Children and Multiple Insurance Plans
Yes, children can be covered by more than one health insurance plan. Typically, one plan is designated as the primary insurance, which provides coverage first.
The second plan is considered secondary coverage. If the primary insurance does not cover all medical expenses, the secondary insurance can step in to pay the remaining costs.
Common Scenarios Where This Applies
In many cases, child support enforcement agencies in Manchester, NH, require the parent paying child support to obtain and maintain health insurance for the child. If the child is also covered by another insurance plan, such as Medicaid, they would have dual coverage. Medicaid would cover any remaining balance that the primary insurance, through a provider like AS Insurance Agency, does not pay.
This situation is also common among divorced parents who have access to different types of insurance. Each plan may offer unique benefits. For example, one plan might have lower co-pays, while the other provides broader coverage for medical expenses.
Additionally, parents may seek extra coverage for their child if the child has a medical condition requiring more comprehensive insurance. Agents at AS Insurance Agency can help you explore your options and determine whether multiple insurance plans are suitable for your child. Contact us today to learn more. We proudly serve the Manchester, NH area.
