Hello.
I'm accepted by my husband's company insurance where my he is coverd but I haven;t gotten my card yet.
My question is, if I bring my husband's insurance card to a hospital or dentist, will I be coverd since I'm accepted in insurance company's system but don't have the card(material) physically??
He and I filled out the documentations and brought to HR of his company but I haven't gotten my card though he handed it to HR more than a month ago.
The insurance company said HR should give him log-in code to enter the insurance company's website(system) but HR kept telling him that "You should get a letter from the insurance company." which he hadn't,
His company's HR told him that I'm accepted already but I'm wondering I'll be coverd with the card that hasn't my name on it.
Would the clinic/dentist accept the card even though my name is not on the card but my husband's?
I'd really appreciate if you could answer me. Thank you so much in advance.
2007-02-24 02:13:22 · 6 answers · asked by rbk 2 in Business & Finance ➔ Insurance
First of all call the number for customer service at your husbands insurance company, it should be a toll free number on the back of the card. They can tell you if you are indeed insured and usually you can request a card from them directly. Second most doctors and dentists etc will call the number on the back of your husbands card to verified that you are covered. Well it is nice and convenient to have your own card with your name on it, you don't have to have it to receive the benefits. Third you may be able to go online to the insurance company website and get many of your answers, do a search on his insurance co. You can usually establish your own pin code etc on the company website.
2007-02-24 02:26:50 · answer #1 · answered by Lucky 1 2 · 2⤊ 1⤋
Yes, as long as you are covered under the insurance all you have to do is give the doctor or dentist his card and tell them you are the spouse. They have to call anyway to make sure you are covered so it does not matter if you have a physical card or not.
2007-02-24 14:34:11 · answer #2 · answered by TP2001 2 · 0⤊ 1⤋
i really feel like people are so ignorant when it comes to health insurance. if you didn't recieve your card, use your husbands in the mean time and just call customer service to ask for a card. the whole "code to get online" is probably just the website of the insurance company you are covered through and they have a site that you can log into that you can view your own personal benefits and claims. from there you can probably request a card.
as long as you are covered under the plan, meaning your husband didn't forget to fill your info out on the application then you should be fine. my guess is you got a card in the mail but through it out before opening it and your card was in the envelope. i've worked in the insurance business for years and it never ceases to amaze me of how little people know about this stuff. you need it, so try learing about it.
2007-02-24 04:56:22 · answer #3 · answered by kimmy 2 · 0⤊ 4⤋
Its up to the hospital or doctor you see. It should be fine, but some health care professionals won't see you without 100% proof of coverage in writing, with your name. They also have the option of calling the insurance company to verify. Good luck!
2007-02-24 02:21:17 · answer #4 · answered by Custo 4 · 0⤊ 1⤋
Yes, they should; I do that all the time. I have several kids and a hubby, we're all under hubby's plan, but I can never find the card for the person at the doctor at that time.
They all have the same numbers on them, that's what counts.
2007-02-24 02:30:25 · answer #5 · answered by Anonymous 7 · 0⤊ 1⤋
If they can verify you're covered by the plan, they should be able to use your husband's card - most of the info would be the same anyway.
2007-02-24 08:24:15 · answer #6 · answered by zippythejessi 7 · 0⤊ 1⤋