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Downvotes are fickle things. Unrelated, why turn down the health care? With double health care you can tell you're health provider you've got double coverage an
by ChuckMcM 5y ago
Downvotes are fickle things. Unrelated, why turn down the health care? With double health care you can tell you're health provider you've got double coverage and they will bill the primary first, and then the secondary for what is left (and if the secondary is designed to be a primary program it will cover all that is left so you end up with zero out of pocket, even for co-payments).
- drewg123 5y agoBecause it was CA focused, and I was remote. So most local providers were out of network. And it was not free ... Its been almost a decade, but I seem to recall that it was cheaper to add me to my (then) wife's coverage.
- wincy 5y agoIt’d be pretty annoying to have a Kaiser Permanente focused insurance plan and live in Ohio.
- davidw 5y agoAmerican health care is ridiculous, episode #193993.
- ionicgiraffe 5y agoWe are starting to copy it elsewhere, it's going good in the same direction in baby steps.
- jen20 5y agoIs this generally the case? If so, I had no idea...
- ChuckMcM 5y agoGenerally different jurisdictions have different rules, but in California it is the case. And to another point made here, if you're employer is going to deduct some of your paycheck to pay premiums month to month then it can be a net loss if you won't use it enough to offset what you would have been paid.
- jen20 5y agoThanks - I need to do some research on this!
- azinman2 5y agoI don’t know if it’s illegal, but basically every health care plan will deny you if they know you have other coverage. This is bad advice.
- xyzzyz 5y agoYou’re wrong. It is perfectly common to have double coverage. I had it on multiple occasion. You can read about it if you google “coordination of benefits”.
- azinman2 5y agoYou’re right. I don’t know if this varies by state, but for sure I’ve had to sign contacts stating I didn’t have any other insurance in order to start various plans. So I don’t think this is universally ok but clearly there are situations that allow it, seemingly most common in conjunction with Medicare.
- sandos 5y agoThis is funny, because basically every insurance here in Sweden states that if you are covered by another insurance, then this one is invalid. In practice though what Iv'e heard is that the companies will always just be kind and sort of split the responsibility between them instead when something happens.