Hi, I recently got married and added my husband to my health insurance through my employer, he decides he wants to stick with his employer health insurance and doesn't want mine. So I'm stuck with the premium and 1 health insurance while he has two health insurances, is he allowed to do that or will he be in trouble when it comes time to go to the hospital or doctor, etc.?
2007-07-26 09:21:23 · 10 answers · asked by TwinMomma 4 in Business & Finance ➔ Insurance
Your health insurance will cover the co-pays and deductibles for your husband that his insurance policy has. It is called coordination of benefits.
2007-07-26 09:25:59 · answer #1 · answered by Keith 6 · 0⤊ 1⤋
As long as one plan is clearly designated primary and the other secondary, there should not be an issue. You should make this designation to each plan clearly in writing ASAP, it's called Coordination of Benefits. This will prevent any problems should claims be filed. (The only big problem would have been if he was the main policy holder on both plans.)
Generally - whomever's birthday comes first in the year - let's say one of you is January, the other is June - the January birthday person holds the primary plan, regardless of who is older or which plan is better. It's called the Birthday Rule, and it's pretty much universally adhered to as to avoid people giving the plan with the better benefits to suit the visit each time. However, since you're not on his plan, this probably will not apply in this case.
2007-07-26 11:36:11 · answer #2 · answered by zippythejessi 7 · 0⤊ 0⤋
Most group insurance companies will let you go ahead and drop the first one if you can show proof of other insurance and had a life change even if you are not in open enrollment. Getting married is considered a life change. Check with your insurance administrator. No sense paying double premiums if you don't have to.
2007-07-26 09:37:58 · answer #3 · answered by healthinsurance911 1 · 0⤊ 0⤋
Yes, it is legit, so long as you report them all to one another. How it works depends on your health insurance. Some will share costs, some will only kick in after another pays, and some will not pay at all. Call your reps and get the details, and odds are you can do away with at least one of them.
2007-07-26 09:29:59 · answer #4 · answered by Mr. Taco 7 · 0⤊ 0⤋
It's possible to be double covered. His primary job's insurance will sit as the primary, and your insurance will sit as secondary. Most likely, he'll end up never having to pay a copay again, or as long as he remains double covered. As long as he doesn't go to see his doctor on a regular basis, I would probably cancel the secondary insurance when you have the next opportunity, as I don't think it's very cost effective, unless it were free of course...=)
2007-07-26 09:27:33 · answer #5 · answered by Web G 3 · 1⤊ 0⤋
Yes, one is primary, one is secondary. The policy with his employer would be primary.
I'd say if you have "your money" and "his money", you have bigger problems than health insurance.
But you can PROBABLY drop coverage for him on your plan, even though it's not open enrollment.
2007-07-26 10:20:00 · answer #6 · answered by Anonymous 7 · 0⤊ 0⤋
Make sure one plan is designated as primary and the other secondary.. You don't get any added advantages.
2007-07-26 12:57:22 · answer #7 · answered by SmallBizy 1 · 0⤊ 0⤋
yes you can have your insurance and he has his the use one they will make it so one will pay for some stuff and the other pays for whatever the other does not then you pay the copay
2007-07-26 09:29:12 · answer #8 · answered by vw66hotbugtallen 2 · 0⤊ 0⤋
If he doesn't want your coverage ,then cancel his coverage. T4
2007-07-26 14:45:48 · answer #9 · answered by Anonymous · 0⤊ 1⤋
yes you can get it try thid for more info
2007-07-26 20:27:33 · answer #10 · answered by Anonymous · 0⤊ 1⤋