Do I have to use my Primary Medical Insurance if my Secondary is better insurance?

[misscampbells]

I have dual coverage medical insurance. I have had my secondary insurance for years before I got a job and now have my own insurance. Well my new insurance sucks, and I would rather not even claim anything with them and would rather have my now secondary insurance billed. Basically I want to just not put any claims through under the primary or use the newer Primary insurance. When I got the new primary, it was at no cost to me, so I just accepted it, thinking I could use it for back up and just continue using my old insurance. Then I heard that when I go to the doc that I would have to use the new as primary and then the old insurance would now be secondary. I can't cancel the insurance because it was bought on a cafeteria plan and IRS won't allow cancellations unless a major thing has happened (birth, death, divorce, etc). Can anyone help me???

[TedEx]

Use the primary, and if anything is left unpaid, usethe secondary for the balance.

[Lori S]

You will have to call the secondary insurance to ask if the standard rules apply as far as determining primary, secondary payor. It's possible that it doesn't have to follow those rules because of it being an individual policy.

[src50]

The primary must pay first. You cannot "switch" the secondary to primary.