Secondary Insurance

What is Secondary Insurance?

Secondary insurance refers to an additional insurance policy that covers costs not fully paid by the primary insurance. For employees, this typically includes a supplemental health, dental, or vision plan that kicks in after the primary insurance has paid its portion. Employers may offer secondary insurance as part of a benefits package, helping cover out-of-pocket expenses like co-pays, deductibles, or services not fully covered by the primary plan. It helps reduce financial burdens on employees by covering gaps left by the primary insurance.