Primary vs Secondary medical

[TheOldBear]

Last year, I had Travel Insured cover my QM2 med center claims as 'secondary'. My primary carrier was [and still is Cigna] with a policy that will not cover outside of north america [they denied everything, needed to get the 'denied' paperwork to TI to process the claim]

 

Other than TI showing on the quote form of $25 for primary coverage, is there any downside for making it 'primary'??

 

I'm hoping to avoid any med center visits, but insurance is all about 'just in case' - $50 seems reasonable for less paperwork / expedited reimbursement.

[iamtrustworthy]

6 hours ago, TheOldBear said:

Last year, I had Travel Insured cover my QM2 med center claims as 'secondary'. My primary carrier was [and still is Cigna] with a policy that will not cover outside of north america [they denied everything, needed to get the 'denied' paperwork to TI to process the claim]

 

Other than TI showing on the quote form of $25 for primary coverage, is there any downside for making it 'primary'??

 

I'm hoping to avoid any med center visits, but insurance is all about 'just in case' - $50 seems reasonable for less paperwork / expedited reimbursement.

Hi TheOldBear,

 

What are your current ages?

 

Steve Dasseos

[TheOldBear]

11 hours ago, iamtrustworthy said:

Hi TheOldBear,

 

What are your current ages?

 

Steve Dasseos

62 & 72

 

After a brief discussion with folks on your hotline, I decided to go with the SE plan - primary medical coverage .