If a patient with dual insurance coverage has a spouse who works at CVS and they have Cigna, what is the order of insurance?

The order of insurance for a patient with dual coverage is typically determined by the coordination of benefits rules, which outline which insurance provider is primary and which one is secondary. In the scenario provided, the patient has one insurance through their spouse, who works at CVS and provides Cigna coverage. Medicare, including Part A and Part B, serves as a secondary insurance when there is active employment coverage available.

In this case, since the spouse's involvement with Cigna represents active employment, Cigna is designated as the primary insurance. Medicare, specifically Part B, would then be secondary for coordinating benefits. This organization of insurance efficiently allows for the patient's healthcare costs to be covered adequately, maximizing the benefits from both providers without issues arising from overlapping coverages.

Understanding this order is crucial for individuals in the medical field, especially in patient access roles, as it impacts billing, payment processing, and overall patient care management.