So let me explain my case: Two years ago I graduated from school and started working my first full time job. I was under 26 so I decided to stay under my parents insurance and not get my own health insurance (for the 2nd half of 2019). Then I realized that by getting insurance with my company, I’d be getting access to an HSA account which I really liked due to their financial (tax) benefits so I signed up for the cheapest monthly plan starting Jan 2020. Now, I was still under my parents insurance so throughout all of 2020 I was using their insurance with no issues. Now in 2021, it was the year I was going to turn 26 so I knew I wasn’t going to be able to be under my parents insurance after my birthday. The thing with my parent’s insurance is that it is REALLY good. The company my parents work for pay for it completely so that whenever we go to the doctor, we don’t pay a single penny in copay or bill or anything. Since it’s this good, I decided that I was going to get a couple different checkups for different things since they were going to be “free” before the insurance expired for me. I thought that it was all good because doctors usually call the insurance before allowing you in and everything had been approved.
Fast forward to today, I’ve gotten letters in the mail from two different doctors with a bill saying I need to pay because the insurance asked for a refund on payments they had already made. I was able to talk to one of the doctors and they mentioned that they got a letter from the insurance saying that they found out I was the primary person on another insurance and so in that case, my parent’s insurance would get passed on as a secondary insurance (since my parents are the primary on it). I’m not even sure if these doctors are in-network with my primary insurance (I need to look this up) and the other issue is that since I chose the cheapest plan, my max out of pocket for the year is somewhere close to ~$4,500 so I would essentially have to cover all these bills. Now my questions:
How does secondary insurance work? Let’s say that I go to the doctor and the cost is $100. Since my plan won’t cover it due to the out of pocket amount not being met yet, that $100 cost falls to me. Can my secondary insurance then come in and cover that $100 (since that plan covers 100%)? Since I went to the doctor months ago and went under the secondary insurance (and in case they decide to not cover it), could I go to my insurance with the bill and say I went months ago? Would they step in? Could they get me a lower bill?
submitted by /u/hesantos
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So let me explain my case: Two years ago I graduated from school and started working my first full time job. I was under 26 so I decided to stay under my parents insurance and not get my own health insurance (for the 2nd half of 2019). Then I realized that by getting insurance with my company, I’d be getting access to an HSA account which I really liked due to their financial (tax) benefits so I signed up for the cheapest monthly plan starting Jan 2020. Now, I was still under my parents insurance so throughout all of 2020 I was using their insurance with no issues. Now in 2021, it was the year I was going to turn 26 so I knew I wasn’t going to be able to be under my parents insurance after my birthday. The thing with my parent’s insurance is that it is REALLY good. The company my parents work for pay for it completely so that whenever we go to the doctor, we don’t pay a single penny in copay or bill or anything. Since it’s this good, I decided that I was going to get a couple different checkups for different things since they were going to be “free” before the insurance expired for me. I thought that it was all good because doctors usually call the insurance before allowing you in and everything had been approved. Fast forward to today, I’ve gotten letters in the mail from two different doctors with a bill saying I need to pay because the insurance asked for a refund on payments they had already made. I was able to talk to one of the doctors and they mentioned that they got a letter from the insurance saying that they found out I was the primary person on another insurance and so in that case, my parent’s insurance would get passed on as a secondary insurance (since my parents are the primary on it). I’m not even sure if these doctors are in-network with my primary insurance (I need to look this up) and the other issue is that since I chose the cheapest plan, my max out of pocket for the year is somewhere close to ~$4,500 so I would essentially have to cover all these bills. Now my questions:
How does secondary insurance work? Let’s say that I go to the doctor and the cost is $100. Since my plan won’t cover it due to the out of pocket amount not being met yet, that $100 cost falls to me. Can my secondary insurance then come in and cover that $100 (since that plan covers 100%)? Since I went to the doctor months ago and went under the secondary insurance (and in case they decide to not cover it), could I go to my insurance with the bill and say I went months ago? Would they step in? Could they get me a lower bill?
submitted by /u/hesantos [link] [comments]Read Morer/HealthInsurance