If I use my insurance to pay a hospital bill...will the main insurance holder find out?

Question

I need to use my insurance to pay a hospital bill. If I am on someone elses insurance, will they find out?

Answer 1

I'm not sure which situation you mean: (1) you have two insurances (your own) and someone else's. or (2) you are on someone's insurance (like your parents) and want to know if they will find out.

(1) The hospital is unlikely to investigate it further. It's just too much trouble for them. The entity that will investigate is the insurance company. They will send you papers that ask you if you have other insurance. If you lie and they find out, they don't have to pay the bill.

(2) In the situation where you are on someone else's insurance, the owner of the policy will receive an Explanation of Benefits (EOB) that explains what the insurance company just paid for. So when my daughter was 16 and her doctor told her that she didn't have to tell me she was going on birth control, I still got an EOB and was able to deduce that if the insurance company made a payment to a doctor on behalf of my daughter that it was most likely something to do with birth control.

Answer 2

Yes, if you are a dependent on someone else's insurance, the insurer is required by law to send the policyholder an "Explanation of Benefits" which tells the policyholder how much the services cost, how much discount they have negotiated with the provider, how much deductible and co-pay there was and how much in benefits were paid to the provider on the policyholder's behalf.

It sounds as if you are like an ex-spouse still on your former spouse's insurance and you don't want them to know what happened to you.

You have one thing going for you in that instance.

The explanation of benefits, while they are an explanation, they aren't necessarily very detailed.

It might just say office visit or physician services or lab test, but it won't say "HIV Test" or "Herpes Treatment" or anything like that.

Because of the law, you will not be able to hide the fact that you used some of the policyholder's benefits.

Answer 3

If you are a dependent on someone else's insurance (i.e. parents or spouse) they probably will find out when they get the EOB (explanation of benefits) from the insurance.

If you're worried about your employer finding out about a hospital bill - no worries. The federal HIPAA laws prevent that.

Answer 4

yes, you file your insurance if and when you go to the hospital. and it will pay its part of the bill, you pay the deductable.

if you are on someones insurnace, then they know you have the insurance and have given it to you to use I would guess.

But yes, an expllination of benifits is mailed out after payments are made, so they would normally know about it.

Answer 5

Like, your SPOUSE? Yes, as the insurance company sends a statement to your spouse, if he's the primary insured, to tell them how much they paid. Like, your spouse's EMPLOYER? No, if the insurance is through an employer, the employer does NOT find out when you file a claim.

Answer 6

yes