I need help figuring out how much I’ve screwed myself over–I got married in January and got on my husband’s insurance through his employer. I was employed at the time and had insurance through work. I did not realize that a) you HAVE to declare secondary insurance if you have it and b) YOU don’t get to pick which is primary and which is secondary, the law does. So I listed my husband’s insurance as the primary (both are high deductible plans and we figured it would be better to meet the deductible on one plan). With a few providers (I’ve had a bunch of medical issues lately, so I’m seeing a lot of doctors), I listed my insurance as secondary, but with others I left it off entirely.
Only now as I am trying to submit a claim for a certain medication and actually, you know, Googled some basic information did I figure this out. How do I go about resolving this? Do I contact my husband’s insurance and ask them to submit all those claims to my insurance instead? Has anyone done something dumb like this before, and if so how did you get out of it?
I am located in CO but moved halfway through this mess from TX.
submitted by /u/catfiend720
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I need help figuring out how much I’ve screwed myself over–I got married in January and got on my husband’s insurance through his employer. I was employed at the time and had insurance through work. I did not realize that a) you HAVE to declare secondary insurance if you have it and b) YOU don’t get to pick which is primary and which is secondary, the law does. So I listed my husband’s insurance as the primary (both are high deductible plans and we figured it would be better to meet the deductible on one plan). With a few providers (I’ve had a bunch of medical issues lately, so I’m seeing a lot of doctors), I listed my insurance as secondary, but with others I left it off entirely. Only now as I am trying to submit a claim for a certain medication and actually, you know, Googled some basic information did I figure this out. How do I go about resolving this? Do I contact my husband’s insurance and ask them to submit all those claims to my insurance instead? Has anyone done something dumb like this before, and if so how did you get out of it? I am located in CO but moved halfway through this mess from TX.
submitted by /u/catfiend720 [link] [comments]Read Morer/HealthInsurance