What best describes secondary insurance?

• A. A type of insurance that pays first.
• B. A rider that covers dental services.
• C. An insurance plan for international travelers.
• D. Billed second and only pays costs that the primary insurance did not cover.

Answer: (D)

Secondary insurance is a separate policy that pays after the primary insurer has paid their share. It is billed second and covers costs that the primary insurance did not cover, such as remaining deductible, coinsurance, or services denied by the primary but still eligible under the secondary plan. For example, if the primary plan pays 70% of a bill after deductible, the secondary plan may cover some or all of the remaining amount according to its own rules and limits. This is not about paying first, it’s not a rider for dental services, and it isn’t specifically for international travel.