If your healthcare is covered by two companies, you need to check if Humana or Aetna is your primary health insurance. If you got Humana first through your employer, then this is your primary health insurance. You may have gotten Aetna by being a dependent of your spouse who has it as her health insurance. In this case, Aetna is your secondary health insurance. You may also have gotten Humana through an individual policy. You then have to check the provisions of the Humana policy. Find out if the policy pays for your medical epenses directly, or if it coordinates with your Aetna policy or any other policy. Usually, your primary insurance shoulders 80% of the total medical epenses. Your secondary insurance usually pays for those that were not covered by your primary insurance if their coinsurance is higher. This happens only when the secondary insurance provides more than 80% of its benefits when it is on primary insurance status. There are also instances when the secondary insurance does not pay for the remaining balance of your primary health insurance. Try to compare the benefits provided by your Humana and Aetna health policies. You need to verify which medical epenses Humana will cover or not. Likewise, check the medical epenses that Aetna will cover or not. There may be benefits that you need in one policy that the other one does not have. Humana plans usually cover the services of its medical providers, ecept in emergencies. You need to provide the information on what Humana and Aetna will cover when you use medical services so that both carriers are properly billed. For both companies, you need to follow the guidelines on the insurance's pre-authorization, authorization, and referral by Primary Care Doctor to make full use of the benefits. Answer by admin — May 22, 2009 @ 11:15 am