What is primary coverage in the context of health insurance?

Primary coverage in the context of health insurance refers to the insurance plan that pays for covered healthcare expenses after any applicable deductible has been met. This means that once you have paid the required deductible amount out-of-pocket, the primary insurance starts to pay for services that fall under its coverage terms. This type of coverage is essential for managing healthcare costs, as it signifies that the insurer takes on the financial responsibility for expenses related to medical care following that initial payment phase.

In contrast, the other options focus on different aspects of health insurance. For example, one option mentions a type of insurance that requires only premium payments, which doesn't adequately describe how primary coverage functions after deductibles. Another option suggests accident insurance without a deductible, which is not relevant to the definition of primary coverage. Lastly, an option focused solely on preventive services does not encompass the broader context of primary health coverage, which typically includes a range of medical expenses beyond just preventative care.