Health Insurance is one of the high priority items when it comes to travel outside of the home country. There are many health insurance companies which provide short term insurance for foreign nationals during their stay in the US or outside their home countries.
Having health insurance is a good thing but what if a person has two plans? Does it mean they are covered for double the coverage in terms of benefits? Not exactly, but having two health insurance plans does help to cover the medical expenses better through co-ordination of benefits provision. You might be thinking that why there is need to buy two plans when we can have one plan and get the necessary coverage.
Sometimes there are situations when you already have a plan and you need a plan for your partner or someone accompanying you who need extra benefits or benefits or different things which might not be available in your plan even though you can add them on your plan. The good thing is that the health insurance have a co-ordination of benefit system that finds a way for both the plans to pay their fair share. The first way the health insurance providers coordinate benefits is to determine which the primary plan is and which plan would be considered the secondary plan. There are guidelines followed to determine this.