What type of insurance plan is often referred to as dual coverage?

The term "dual coverage" refers to a situation in which a patient is covered by two separate insurance plans. This typically occurs when a patient has one primary plan and another secondary plan.

The primary plan is responsible for paying benefits first, up to its limits, while the secondary plan may cover remaining costs that were not paid by the primary plan, such as deductibles, copayments, or coinsurance. This coordinated coverage can help reduce out-of-pocket expenses for the patient, ensuring that a larger portion of healthcare costs is taken care of by the insurance providers.

In this context, the secondary plan is the correct choice, as it plays a crucial role in providing additional coverage that supports the primary plan, allowing for comprehensive financial protection for healthcare expenses.