How does secondary coverage benefit patients regarding medical expenses?

Secondary coverage benefits patients primarily by assisting in covering expenses after primary insurance payouts. This means that once a primary insurance plan processes a claim and pays its share of the covered expenses, secondary insurance can step in to cover remaining costs that are still outstanding. This can include deductibles, co-insurance, or co-pays, effectively reducing the out-of-pocket expenses that patients have to manage.

It's crucial for patients to have secondary insurance coverage because it can significantly alleviate financial burdens, especially for substantial medical bills resulting from surgeries or long-term treatment. By ensuring that more of the medical expenses are covered, secondary insurance empowers patients to focus more on their health rather than worrying about escalating expenses.

The other answer choices, while highlighting aspects of insurance coverage, do not accurately depict the primary advantage that secondary insurance provides in managing medical costs after the application of primary insurance benefits.