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US insurance carriers generally ask you to certify that you did not have insurance through another carrier/policy simultaneously (upon submission of a claim), a
by 15thandwhatever 10y ago
US insurance carriers generally ask you to certify that you did not have insurance through another carrier/policy simultaneously (upon submission of a claim), as policies tend to have 100% coverage kick in on things like annual and lifetime maximum numbers.
Double-dipping on insurance policies messes with their actuarial table calculations.
- sidlls 10y agoThat sort of certification is a practice that should be made illegal. I've just been bit by that when we transitioned my family from one earner's plan to the other. It created a pointless hastle for us and our care team. Insurers don't need to know if I have coverage through another insurer.
- emodendroket 10y agoYou could just tell whichever job has the worse benefits that your spouse's insurance handles it or whatever and continue on your way, probably.
- mikeryan 10y agoThats pretty simple to solve though, just decline coverage from the provider with the most limited coverage. This is pretty common as married couples usually only take the coverage from one spouse.