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[IP] reply to insurance question


Sorry but I have to disagree with "dual" coverage (keeping 2 insurances).
Under many scenarios (not all), it is a waste of your premium dollars.

Donna, you should check your husband's and your full-time employer's
Coordination Of Benefits provisions (COB) for health insurance BEFORE making
a decision.  I work for a health & disability insurance broker/consultant.
Now a days, it is not uncommon for 1 or both employers to say: if you have
other coverage, our plan will PAY $0 unless denied by the other carrier.
I've seen this more and more in the last couple years.  (I live in Maryland,
but I'm sure this is a "national trend" to help employers save $$$).

You shouldn't have problems switching coverage from his plan to yours (&
vice versa) when you have an IRS qualified change in status (things such as
losing insurance, marriage, divorce, birth, etc.).  Pre-existing conditions
are a possibility under both plans, but only if you have been without
coverage (lapses of 63-days or more qualify).  If you have no break in
coverage, they cannot use pre-ex as an excuse.  HIPAA (Health Insurance
Portability & Accountability Act) is the saving grace for many of us with
pre-existing conditions.  It allows us to look for other jobs, etc. without
having to worry about losing our health insurance.

Just something to consider before making your enrollment decisions.

Good luck!

Date: Sat, 25 May 2002 20:59:19 -0400
From: "Annie Wall" <email @ redacted>
Subject: Re: [IP] Insurance Question

Question re federal laws regarding health insurance. I will be changing from
part-time to full-time work in a month or two and, as such, will be eligible
for my company's health insurance. I am currently covered under my husband's
policy but his coverage is not as good as what I can get at my company. If I
leave his for my own coverage and decide that I really don't care for
full-time work will his company be required to accept me since I would no
longer have health insurance or could they refuse? They currently accept all
spouses and dependant of new employees. Thanks for any info/opinions. .>


If your husband's company pays 100% for your coverage, definitely keep it.
There is coordination of benefits where your insurance would first cover
your expenses according to your contract and if something is unpaid by them,
you could get most of the balance paid by your husband's insurer.  The
danger in completely dropping you on your husband's policy is that they
might not cover you again (worst case) or you may have to wait a year for
diabetes-related coverage because of pre-existing conditions.  Your husband
should ask his insurer what their rules are so you can make an informed
decision.  In short, if at all possible, hang on to your coverage through
your husband's insurance instead of dropping it.  You don't ever want to be
without coverage if you can help it.

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