What is the primary insurance for a patient under 65 who has Medicare Part A and B and is covered by a spouse's plan at Ford Motor Co.?

In the scenario described, the primary insurance for a patient under 65 who has both Medicare Part A and B, and is covered by a spouse's plan, would typically be the employer-sponsored health plan, which in this case is associated with Ford Motor Co.

Medicare generally serves as a secondary payer for individuals who are still working and have employer-sponsored insurance. For employees less than 65 years of age, when that insurance is available, it takes precedence over Medicare. Therefore, as the spouse's employer health plan is the primary coverage, claims related to medical services would initially go through that insurance.

Medicare, while important for providing additional coverage for eligible services, would act as secondary coverage, assisting with costs not covered by the primary plan. This alignment helps to create a more comprehensive financial safety net for employees and their dependents.