Final answer:
The primary accident and health insurance plan for Tonya after a kidney failure diagnosis would typically be the group health insurance provided by her employer. Under The Affordable Care Act, insurance companies can't deny coverage based on preexisting conditions, and coordination of benefits rules would apply if there are multiple insurers.
Step-by-step explanation:
The student's question concerns which accident and health insurance plan will be primary for coverage after a diagnosis of kidney failure.
Tonya, who is employed by a large employer, likely has a group insurance plan. In most cases, the group health insurance provided by an employer would be the primary coverage for an employee who has been diagnosed with a health condition.
This is due to the arrangement between employers and insurance companies where a diverse group of employees is covered, mixing high-risk and low-risk individuals, thus allowing the insurance company to balance the risk.
Under The Affordable Care Act (ACA), employers are encouraged to provide health insurance, and are often the primary source of health insurance for American workers.
Furthermore, the ACA prevents insurance providers from denying coverage based on preexisting conditions, ensuring that individuals like Tonya can remain insured even after being diagnosed with health issues.
Should Tonya have multiple insurance plans, coordination of benefits rules will determine the order in which insurers pay. However, the employer's group health plan is typically the first payer in such situations.