She works for the federal government.
2007-11-12 23:21:02 · 7 answers · asked by Big Banks 3 in Business & Finance ➔ Insurance
It depends. If one plan offers coverage that you use that the other does not, (for example - if you have children, and the primary plan doesn't cover preventative care, but the secondary one does, then once the primary plan denys it, you can get the secondary to pay it.) then it's worth it. If they both cover and don't cover the same things, then it's pointless. In which case, drop whichever one you pay more for.
2007-11-13 10:54:47 · answer #1 · answered by zippythejessi 7 · 0⤊ 0⤋
Depends on several things. Do they have similar benefits and coverage? What do they cost you in premiums? Do you go to the doctor alot? Does one give you more choices of providers (HMO-PPO)? How do the coordination of benefits clauses read on both policies? It's not automatic that one will pick up the balance. Usually, there is no duplication of benefits-in other words if one normally pays 80% and the other normally pays 80%, the second coverage will not pay anything. If you have alot of healthcare issues and one covers better (or easier) and do not cost alot of money, it might be a good idea. One other thought, if one of you is always changing jobs (e.g. insurances), it might be a good idea to keep the insurance of the spouse that has a more stable situation....
2007-11-13 01:01:40 · answer #2 · answered by ? 6 · 0⤊ 0⤋
Do you've written information of those products you assert you've been informed about the insurance? keep your 2 pay stubs always. have you ever heard from the well being middle about your bill being rejected? What did you latest to them to also be admitted, they often require your card and so on. See the lawyer yet be sure that couldn't value you more suitable than the bill. i ought to say through the time that is over your bill will be properly over 10K. flow ahead thumbs down human beings yet I absolutely were via an insurance reduce myself and that is all because of the present president's OBAMACARE. you received't of route believe that till your charges flow up or you re dropped.
2016-10-24 03:47:42 · answer #3 · answered by benjamine 4 · 0⤊ 0⤋
Yes that lets the second one pick up the unpaid portion.
'
My Husband has had 4 surgeries this year and we will probably end up with 10 to 20 thousand that our insurance will not pick up. So the second insurance should pay for its-
self when crisis hits.
2007-11-12 23:30:50 · answer #4 · answered by ? 7 · 2⤊ 1⤋
Usually each person carries themself on their employer's plan. If you each carry each other as a dependent, and you have to pay for the cost to add your spouse, you are wasting your money.
2007-11-13 05:49:42 · answer #5 · answered by nurse ratchet 6 · 0⤊ 0⤋
yes, why not? there are others that dont have any insurance.
keep them both, it is better
2007-11-12 23:24:52 · answer #6 · answered by ALEXANDRA-MARIA S 3 · 0⤊ 0⤋
well do you get more benefits if you do? if you don't then you are throwing money away.
2007-11-12 23:23:56 · answer #7 · answered by Anonymous · 1⤊ 0⤋