Dual Coverage with Kaiser + Aetna: Yay or Nay!

How we are covered today: 1. Husband: Blue Cross PPO HDHP + HSA 2. Wife: BCBS HDHP + HSA – 2yr old child is covered in wife’s plan

What we are considering for next year: 1. Kaiser: Husbands plan; covers husband, wife and kid (and new kid) 2. BCBS HDHP + HSA : Wife’s plan; covers wife and kid. Costs $0.

The main intent of considering dual coverage is to have BCBS as backup in case we need to go to non-Kaiser facility, which we use currently.

Intent would be to use Kaiser for everything and use BCBS as a back pocket option in worst cases.

Has anyone done this before? I am thinking since Kaiser and BCBS are non overlapping networks, there should not be issues on who pays benefits.

What do people suggest her?

submitted by /u/_Critical_Light
[link] [comments]How we are covered today: 1. Husband: Blue Cross PPO HDHP + HSA 2. Wife: BCBS HDHP + HSA – 2yr old child is covered in wife’s plan What we are considering for next year: 1. Kaiser: Husbands plan; covers husband, wife and kid (and new kid) 2. BCBS HDHP + HSA : Wife’s plan; covers wife and kid. Costs $0. The main intent of considering dual coverage is to have BCBS as backup in case we need to go to non-Kaiser facility, which we use currently. Intent would be to use Kaiser for everything and use BCBS as a back pocket option in worst cases. Has anyone done this before? I am thinking since Kaiser and BCBS are non overlapping networks, there should not be issues on who pays benefits. What do people suggest her? submitted by /u/_Critical_Light [link] [comments]Read Morer/HealthInsurance

Leave a Reply

Your email address will not be published.