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Primary insurer

Insurance company that covers the initial payments for medical services when a person has more than one health insurance plan. The patient must pay the deductible and any copayment fee.
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Insurer that provides primary Insurance. See Also: “Primary Insurance.”

Primary liability

This principle is bound up with subrogation. Where the same loss or damage becomes the subject of a claim under both a first party policy covering the owner’s interest and another person’s liability for that loss/damage, the liability insurer ultimately pays for the loss as their insured is primary liable. The property owner has no direct claim against the liability owner, only against the third party.

Primary payer

1. Insurer obligated to pay losses first when two or more insurers may be responsible for paying the claim. 2. Medicare is a primary payer with respect to Medicaid; for a person eligible under both programs, Medicaid pays only for benefits not covered under Medicare or after Medicare benefits are exhausted. 3. An employer’s health plan if a Medicare patient is covered by that plan, and then Medicare is the secondary payer. 4. Insurance carrier or managed care plan that has the first responsibility under the coordination of benefits clause between two or more insurers.