Do you have to use your work insurance as primary?

It depends on the circumstances. In some cases, you may be required to use your work insurance as primary, while in other cases, you may have the option to choose which insurance to use as primary. Here are some general guidelines:

1. Employer-provided health insurance: If your employer offers health insurance as a benefit of your employment and you enroll in the plan, you are generally required to use the employer-provided insurance as your primary coverage. This means that your employer's insurance plan will be the first to pay for any medical expenses you incur.

2. Individual health insurance: If you purchase an individual health insurance plan outside of your employer-sponsored plan, you can choose whether to use your individual plan as primary or secondary coverage. If you choose to use your individual plan as primary, your insurance company will be the first to pay for your medical expenses. If your individual plan does not cover all of your expenses, you can then submit a claim to your employer's insurance plan for secondary coverage.

3. Medicare: If you are eligible for Medicare, you may have the option to use Medicare as your primary coverage or to use your employer-provided insurance as primary. If you choose to use Medicare as primary, your Medicare benefits will be the first to pay for your medical expenses. If your Medicare benefits do not cover all of your expenses, you can then submit a claim to your employer's insurance plan for secondary coverage.

4. TRICARE: If you are a member of the military or a dependent of a military member, you may have access to TRICARE health insurance. TRICARE is a health insurance program administered by the U.S. Department of Defense and may be used as primary or secondary coverage, depending on your circumstances.

It's important to note that the specific rules regarding which insurance must be used as primary may vary depending on the state you live in and the specific insurance plans involved. If you have questions about which insurance to use as primary, it's best to contact your insurance companies directly.