If an employed patient has coverage under two insurance plans, one from a current employer and one from a previous employer, the primary plan is: the current employer's plan
What are employer-sponsored health plans?
Employer-sponsored health plans are health insurance that is offered to employees and their dependents (and in most cases, spouses) as a benefit of employment. Employer-sponsored health plans currently provide some level of health coverage for approximately 160 million Americans — nearly half the total population of the country. Health insurance benefits are more likely to be provided by larger companies.
Signing up for health insurance at work
Usually, you can sign up for a health plan for yourself and your dependents when you first start a new job. Your employer can potentially require an “orientation period” of no more than one month, followed by a waiting period of no more than 90 days before you and your dependents can access your coverage. The 90-day waiting period must start one day after the orientation period ends.
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