Dual health insurance coverage

[CLEMSONGURL]

What is the name of your state (only U.S. law)? SOUTH CAROLINA
WHERE IS THE BEST SOURCE TO UNDERSTAND THE LAW OF DUAL HEALTH INSURANCE COVERAGE, I.E., I HAVE BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA (AS A SPOUSE OF MY WIFE'S PLAN) AND MEDICARE COVERAGE (BECAUSE I AM DISABLED), AND CAN'T FIGURE OUT WHO IS MY PRIMARY AND WHO IS MY SECONDARY INSURANCE PROVIDER?

 

[ecmst12]

Turn off Caps Lock.

Are you working, or retired? Is the Blue Cross plan a medicare supplement? Where do you get it from? Is it from your employer, your former employer, your spouse's employer, an individual policy? More information is needed.

The law generally states that Medicare, being a federal plan, is primary to MOST other plans. What it would NOT be primary over is a plan through an employer that YOU or your spouse is ACTIVELY working for. If it is a retiree plan, it is secondary to Medicare.

 

[CLEMSONGURL]

"if Medicare doesn't pay, BCBS won't pay".

Issue: Whether medicare is primary or secondary over a plan through an employer that my spouse is ACTIVELY working for. I have called up Blue Cross Blue Shield of South Carolina (on a conference call with Medical College of Georgia) and both parties insisted "if Medicare doesn't pay, BCBS won't pay".

Many thanks for your reply.

 

[ecmst12]

What does Medicare say? As far as I am aware, in this situation, medicare should be secondary.