My husband is retired nypd and gets ghi health insurance through them. i am working full time at a public school and get family insurance thru them. i have been told that my insurance is primary for the whole family because i am employed full time and paying for it. am i right?
2006-06-30 13:44:26 · 6 answers · asked by andrewilliano 2 in Business & Finance ➔ Insurance
my insurance is better than his. i have been told by many people at the insurance companies that mine is primary because the person who is working full time is always primary. but this one person at empire is telling me different.
2006-06-30 14:11:34 · update #1
You are not getting me people! i know mine is primary for me and my daughter because of the birthday clause in new york but all along the insurance companies have been accepting my insurance as primary for him and suddenly someone is telling me different. anyone an authority on this?
2006-06-30 14:16:05 · update #2
i think the key here that is being missed is that he is inactive/retiree and that is important.
2006-06-30 22:42:06 · update #3
My husband is NYPD, too. Will retire in 2 years. I would contact somebody at 1 Police Plaza in the city.
I'm not sure if your insurance is primary. I think you're in the wrong place to get the answer you need... Most people here are very young, in high school etc...
Or call the precinct. Get to speak to the Captain.
And if they can't help you, call Ray Kelly, lol!
Seriously, I would ask a professional advisor. We have plenty of them in the city, but the first logical step would be your husbands former employer...or yours!
2006-07-02 15:03:54 · answer #1 · answered by qandafromnyc 2 · 0⤊ 0⤋
The key is HIM. Your husband's insurance is primary and your's would be excess or seconday insurance for him.
As far as the rest of the family and yourself I believe that is still true. His insurance is primary and yours is seconday. Believe me you will find out when you file a claim and each insurance company will have specific conditions which make them primary or secondary insurance coverage.
You can bring a copy of your husband's insurance policy to your school health insurance representative to get the definitive word. Believe me they will gladly show you if they are secondary as opposed to the primary health insurance.
2006-06-30 14:13:03 · answer #2 · answered by Kamikazeâ?ºKid 5 · 0⤊ 0⤋
No your husband has the primary insurance because he is retired and it is permanent, you may be full time now but if you lose your job out goes your insurance but your husbands insurance is for keeps. yours should fill in where his co-pay does not.
2006-06-30 13:54:45 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Yes, I believe you are correct. Unfortunately; the standard seems to be around the person who is holding a job. If your husband has better insurance, you may need to weigh the balance of what you earn on your job,and what you pay out on insurance, and what other job oprtions you may have.
2006-06-30 13:52:01 · answer #4 · answered by runner45 3 · 0⤊ 0⤋
As a retiree, if he carries his health insurance policy through the NYPD, that policy will be primary for him. He can't have his policy be secondary.
2006-06-30 15:01:05 · answer #5 · answered by Anonymous 7 · 0⤊ 0⤋
check his insurance provider bet its 2nd Yours is primary recheck its important when you fill out claims. That way no co-pay one or the other or both will cover
2006-06-30 14:14:48 · answer #6 · answered by retired_afmil 6 · 0⤊ 0⤋