Secondary Health Insurance better, what to do?
November 11, 2008 12:23 PM Subscribe
How do primary and secondary health insurance policies work together? Will I get the advantages of the secondary even though I have the primary?
posted by ewiley28 to Work & Money (3 answers total) 1 user marked this as a favorite
I have a PPO plan from Blue Cross Blue Shield (BCBS) of Texas through my employer. My husband's employer has not provided health insurance in the past, but is offering a plan through BCBS of Massachusetts starting with the new year. The coverage under his plan is better with no deductible, $5 cheaper copays and substantially better hospital coverage. The cost to him to add just our son is the same as to add me and our son, so we are planning on enrolling both of us.
My question is, will I get the advantages of his plan over mine, or since the Texas plan is my primary, will I just get those terms? I'm thinking what should happen is I should get any feature of the secondary plan that is better than my primary.
Will this happen automatically? Or will I need to submit paperwork? Like to get the $5 back on office copays?
I don't think I can get out of my primary because it is paid for 100% by my employer and so I don't think I can waive it.