So I’m 24 years old and to my knowledge, United health was my primary insurance carrier with my parents coverage. My parents have great coverage so I never saw the need to change it until I was forced to.
As it turns out, when I started my job with my new company, I was automatically enrolled into a high deductible plan through Cigna (without my knowledge). I never received confirmation from Cigna about me being enrolled in the plan, and I never even received an insurance card from them. To my knowledge I had no benefits with Cigna.
I recently went to the hospital for some blood work and a CT scan, and to my knowledge at the time, I was still under United health. Since I provided my parents United health card, the hospital billed the amount to United. But United unveiled to me that Cigna was actually my primary (with a $2700 deductible).
As it stands now my primary is Cigna (again I was unaware and automatically enrolled), but I am still covered under my parents United plan as a dependent.
Even if my parents have a better plan in which I am covered under, am I still going to have to pay the $2700 through Cigna? Would like to know more about the coordination of benefits. What’s the best possible outcome?
submitted by /u/Illustrious-Bit-8109
[link] [comments]
So I’m 24 years old and to my knowledge, United health was my primary insurance carrier with my parents coverage. My parents have great coverage so I never saw the need to change it until I was forced to. As it turns out, when I started my job with my new company, I was automatically enrolled into a high deductible plan through Cigna (without my knowledge). I never received confirmation from Cigna about me being enrolled in the plan, and I never even received an insurance card from them. To my knowledge I had no benefits with Cigna. I recently went to the hospital for some blood work and a CT scan, and to my knowledge at the time, I was still under United health. Since I provided my parents United health card, the hospital billed the amount to United. But United unveiled to me that Cigna was actually my primary (with a $2700 deductible). As it stands now my primary is Cigna (again I was unaware and automatically enrolled), but I am still covered under my parents United plan as a dependent. Even if my parents have a better plan in which I am covered under, am I still going to have to pay the $2700 through Cigna? Would like to know more about the coordination of benefits. What’s the best possible outcome?
submitted by /u/Illustrious-Bit-8109 [link] [comments]Read Morer/HealthInsurance