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Post by shamrock on Jul 9, 2024 16:15:11 GMT
I’m headed back to work full time after staying home with my kids. My job offers a paid health insurance plan. We’ve run the numbers and it makes more sense to pay a little and stay on DH’s company offered plan (lower copays, lower cost of prescriptions, more of my doctors covered.)
Would it make sense to take the plan offered by my job and have 2 plans?
I’ll be asking at my benefits meeting but wanted any advice from others in the same situation. Thanks!
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Post by ntsf on Jul 9, 2024 16:38:54 GMT
I think so.. but I would ask an independent insurance agent for advice
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Post by littlemama on Jul 9, 2024 16:41:29 GMT
If you take both plans, yours will be primary for you and his will be primary for him. For the kids (and im not sure this is still how it is done, but tye way it used to be is that the primary insurance for the kids would be the insurance held by the parent whose birthday falls earlier in the year).
As for dual coverage, you might have to call both insurance companies to find out how they handle it.
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MDscrapaholic
Drama Llama
Posts: 6,639
Location: Down by the bay....
Jun 25, 2014 20:49:07 GMT
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Post by MDscrapaholic on Jul 9, 2024 16:42:38 GMT
Where I work, if your employer offers health insurance, you can’t be on my plan. My insurance will only cover you if your place of work doesn’t offer health insurance.
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twinsmomfla99
Pearl Clutcher
Posts: 4,119 
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Post by twinsmomfla99 on Jul 9, 2024 16:52:26 GMT
Where I work, if your employer offers health insurance, you can’t be on my plan. My insurance will only cover you if your place of work doesn’t offer health insurance. I think that is pretty common now. |
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twinsmomfla99
Pearl Clutcher
Posts: 4,119
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Post by twinsmomfla99 on Jul 9, 2024 16:53:36 GMT
If you take both plans, yours will be primary for you and his will be primary for him. For the kids (and im not sure this is still how it is done, but tye way it used to be is that the primary insurance for the kids would be the insurance held by the parent whose birthday falls earlier in the year). As for dual coverage, you might have to call both insurance companies to find out how they handle it. I think the birthday rule only applies if both plans list the children as beneficiaries. |
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Post by littlemama on Jul 9, 2024 17:05:30 GMT
If you take both plans, yours will be primary for you and his will be primary for him. For the kids (and im not sure this is still how it is done, but tye way it used to be is that the primary insurance for the kids would be the insurance held by the parent whose birthday falls earlier in the year). As for dual coverage, you might have to call both insurance companies to find out how they handle it. I think the birthday rule only applies if both plans list the children as beneficiaries. Yep! Otherwise there wouldnt be a need for CoB. I included that in case it was something they were considering. |
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Post by stine on Jul 9, 2024 19:05:06 GMT
I have primary through my work and secondary through my husband. I'll preface by saying that I don't have any medical conditions and don't take any medications. If I did I may answer differently but, there has been no benefit in having both. Maybe for my contacts because one will cover something the other won't.
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Anita
Drama Llama
Posts: 5,727
Location: Kansas City -ish
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Post by Anita on Jul 9, 2024 21:22:33 GMT
Back when I worked in state government, I decided to use their insurance in addition to our Tricare insurance from DH's military benefits. All it did was constantly pit the two insurance companies against each other, and every time there was a claim, they got into a pissing match about who paid first and who paid last. They did that so often I was having claims go to collections because both pointed the finger at the other. It was utterly ridiculous and I vowed never do to that again. I hope you have better luck.
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ellen
Pearl Clutcher
Posts: 4,810
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Post by ellen on Jul 9, 2024 21:39:28 GMT
My husband was double covered for a while. I put our kids on my family plan and it cost nothing more to add him. He did not pay a lot for his plan, so we had him stay on it.
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RosieKat
Drama Llama
PeaJect #12
Posts: 5,579
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Post by RosieKat on Jul 9, 2024 21:57:22 GMT
I had a similar experience to Anita. I registered for the one through my job because it was free to the employee, and it just created a mess. I ended up dropping mine, just to keep things simpler. This was several years ago, so I don't know how/if that might be different now. |
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jennc
Shy Member
Posts: 24
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Post by jennc on Jul 9, 2024 22:08:43 GMT
I have primary through my work and secondary through my husband. I have found it beneficial to have two. Once my primary insurance pays it is submitted to my secondary. I don't pay anything for routine check ups or preventative procedures (mammogram, colonoscopy, etc.).
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Post by jill8909 on Jul 9, 2024 22:14:54 GMT
find out what happens if you do not enroll in your employment plan. under what conditions can you sign up later should something happen. do you have to wait for an open enrollment period or can you enroll at any time?
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FurryP
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Posts: 7,288
Site Supporter
Jun 26, 2014 19:58:26 GMT
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Post by FurryP on Jul 9, 2024 23:26:01 GMT
Unless one plan has no deductible (but who ever heard of that?) You will each have a deductible instead of just one for the whole family. That may end up costing you more out of pocket.
For example:
Insurance 1: $1000 deductible
Insurance 2 $1000 deductible
Versus
Insurance for everyone $ 1800 deductible.
All depends on the plan of course, and and your medical needs.
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