What characterizes secondary insurance coverage?

Secondary insurance coverage is characterized by its provision of benefits after primary insurance has paid its share of a claim. This means that secondary insurance typically acts as a supplemental resource, providing additional payment for costs that remain after the primary insurance has been applied.

For instance, suppose an athlete has medical expenses covered partially by their primary insurance; once this coverage has been utilized, the secondary insurance picks up the remaining amount owed, up to its coverage limits. This supplemental role helps ensure that individuals are not left with substantial out-of-pocket expenses after their primary insurance has done its part.

This concept is fundamental in athletic training and healthcare because it helps manage costs effectively for athletes and ensures they receive the necessary care without undue financial burden. Understanding how secondary insurance works allows athletic trainers and other healthcare providers to assist athletes in navigating their insurance options efficiently.