NWR: Insurance question

Latrice Posted: Oct 19, 2005 07:30 PM

NWR: Insurance question

Is it legal for me and my DH to have each other on both of our insurances. DH has added me to his insurance already. And since I did not add him during the 30 day period, I have the ability to do it now since it is open enrollment. Is that ok or is that not legal?

woozshle Posted: Oct 19, 2005 07:34 PM

Re: NWR: Insurance question

Plenty of people have secondary insurances.

Happybride2005 Posted: Oct 19, 2005 09:59 PM

Re: NWR: Insurance question

this might sound like a dumb ?, but why have have 2 insurance. a life policy i could understand

woozshle Posted: Oct 20, 2005 01:40 AM

Re: NWR: Insurance question

Posted by Happybride2005

this might sound like a dumb ?, but why have have 2 insurance. a life policy i could understand

If you're not paying into your company for insurance, the benfits of adding the secondary insurance are that it could possibly cover the primary's copay and/or deductible and the secondary may pick up services the primary doesn't cover (once you get a denial from the primary insurance).

Blu-ize Posted: Oct 20, 2005 09:09 AM

Re: NWR: Insurance question

Posted by woozshle

Posted by Happybride2005

this might sound like a dumb ?, but why have have 2 insurance. a life policy i could understand

If you're not paying into your company for insurance, the benfits of adding the secondary insurance are that it could possibly cover the primary's copay and/or deductible and the secondary may pick up services the primary doesn't cover (once you get a denial from the primary insurance).

Also the secondary insurance will pick up what the primary doesn't pay of reasonable and customary charges. This is a good idea especially in catastrophic instances God forbid.