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| *Loan,banking and credit>>>health insurance |
Is it legit to have two health insurances? |
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.? Your health insurance will cover the co-pays and deductibles for your husband that his insurance policy has. It is called coordination of benefits. 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...=) 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 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. 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. 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. agent, 21+ years |
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