Coordination of Benefits [MN] Double Insured?

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I posted in r/insurance earlier tonight and received really helpful comments. https://www.reddit.com/r/Insurance/comments/kho3n7/health_insurance_advice/

Long story short: For peace of mind, I am enrolling in private individual insurance for the month of January, just in case my employer’s insurance doesn’t pan out (I missed open enrollment; HR said it would be fine but I’m pregnant and can’t afford the risk). If my employer’s insurance works out (BCBS), I should know by early Jan and I can cancel the private insurance.

I spoke to a rep from the private insurance I plan to buy (HealthPartners). I asked him what would happen in the month of January with any claims — would cancellation be effective the date I cancelled or would I have two policies in January? He told me I would have two policies for January, regardless of cancellation date. I asked him if this would cause problems for me — with both companies fighting over who is responsible for the bills. He stated that, regardless of cancellation, my employer’s insurance would be the default primary. Can he be sure of that?

He then stated that I do not have to share my HealthPartners insurance info with a provider in January if my employer’s insurance works out. I thought that was illegal, so I’m most confused on that point.

submitted by /u/Midwestviawestcoast
[link] [comments]
I posted in r/insurance earlier tonight and received really helpful comments. https://www.reddit.com/r/Insurance/comments/kho3n7/health_insurance_advice/ Long story short: For peace of mind, I am enrolling in private individual insurance for the month of January, just in case my employer’s insurance doesn’t pan out (I missed open enrollment; HR said it would be fine but I’m pregnant and can’t afford the risk). If my employer’s insurance works out (BCBS), I should know by early Jan and I can cancel the private insurance. I spoke to a rep from the private insurance I plan to buy (HealthPartners). I asked him what would happen in the month of January with any claims — would cancellation be effective the date I cancelled or would I have two policies in January? He told me I would have two policies for January, regardless of cancellation date. I asked him if this would cause problems for me — with both companies fighting over who is responsible for the bills. He stated that, regardless of cancellation, my employer’s insurance would be the default primary. Can he be sure of that? He then stated that I do not have to share my HealthPartners insurance info with a provider in January if my employer’s insurance works out. I thought that was illegal, so I’m most confused on that point.
submitted by /u/Midwestviawestcoast [link] [comments]Read Morer/HealthInsurance

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