I am currently medically insured through my husband's company, my new job offers free insurance.?

Question

Hello and thanks in advance.
I currently have medical insurance thru my husband's company. I just started a new job and they offer free medical insurance to their employees (not their family or spouses).
My husband's plan does not cover anything preventive ie. Well Woman/Ob/GYN/Annual exams. However the rest of the policy is excellent!
So I didn't think twice about signing up for the new policy because they do cover the preventive. The new company even asks if you are going to keep an existing policy.

So in a month I will have two current policies.

My question, is how does this work? Do the two companys split my medical costs?

Is there a website or someone who can tell me what to expect?

Note. We do not have children.
His policy covers almost everything but preventive care.

As a woman with a family history of diabetes, high blood pressure, heart disease and cancer, preventive care is very important to me. That is why I want the new policy, for preventive care only. Also the new policy is a HMO, while the old policy is a PPO.
Since we had considered buying a supplemental insurance policy, my new job offering free insurance seems a blessing, and I would like to keep both.

Answer 1

Coordination of benefits is the right answer in deciding whose insurance will pay first. The determination is made by whose birthday occurs first during the calendar year. So, if you are born in March and your husband is born in October, your coverage will be primary. Once the claim is processed through your insurance company, it will then be submitted to your husband's insurance company.

It may not be worth having double coverage, but only you and your husband can determine that. What is the cost to insure you under his plan each month? Are there things his pays for that yours does not? Will the combination of both plans save you money? Think it through carefully.

Answer 2

I had the same problem...there is no point in having two insurance providers. You really have to compare the two options , weigh the pros and cons of each and decide which is better. If you are on your husbands plan and have the option of going to a free you may want to do that because then your husband can move down to the individual plan rather than the family (that is if you dont have any kids). Then he would be paying less per month and you would not be paying anything.

Answer 3

In my experience, one will be primary and the other secondary. The primary one will pick up the most and the second the remainder. You need to check with both companies to see who is primary. In my husbands it goes by birthday. Mine is Dec and his is Oct, so his was primary. But insurance companies have different rules for it.
Also too, some companies say if you can insure the other spouse for $100 or less a month with their companies insurance, they don't have to insure you.
Best talk to both companies.

Answer 4

What will normally happen is your insurance will be primary and your husbands secondary. What yours doesnt pick up his should. Now keep in mind you may still have a few co-pays and such but it should work itself out. They don't split the costs like you think they would but more like if company A (yours) pays 85% of the bill and you still have 15% to pay then company B (husbands) will pick that up

Answer 5

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Answer 6

Its called Coordination of Benefits, if one insurance doesn't cover something in whole the other may pay out, you may actually be over insured, but if its free, then let the insurance companies figure it all out.

Answer 7

I don't remember exactly how this works, but there is a prioritization method that's used. One of you plans will be considered your primary plan, and it will pay any benefits that you are eligible for under that plan. If there are then things that are not covered by your primary plan, it can then be submitted to the secondary plan.

Answer 8

There will be "coordination of benefits" between the 2 carriers. The insurance where you work will be primary, and the coverage under your spouse is secondary. If you have to pay for the coverage under your spouse, I would drop it. No sense in paying for coverage you don't really need.

Answer 9

If it is free, take it. if you have any med expenses, then file with your co first, What they don't pay MIGHT be covered under his policy.

Answer 10

Take it and cancel his. Your will cover both of you just like his did. Saves in the long run.