How does dual medical insurance work?

Dual medical insurance occurs when an individual is covered by two health insurance plans, often through an employer and a spouse's plan or through Medicare and another insurance. In this setup, one plan typically serves as the primary payer, covering costs first, while the secondary plan may cover remaining eligible expenses. Coordination of benefits determines how claims are processed and payments are made between the two insurers. This can help reduce out-of-pocket costs for the insured but may involve more complex claims processes.