So, I got my first job last year. My first job’s health insurance plan is Florida Blue. I’ve had my first job (and my Florida Blue plan) since last year. I (very) recently got a second job. As in, 3 days ago. I now have a second health insurance plan through my new job. My new job’s health insurance card arrived today.
Here’s the problem. I’ve got surgery scheduled for tomorrow. I’ve been working with my surgeon’s/specialist’s office through Florida Blue for over a year. The surgery was originally scheduled last year and it was meant to happen at the end of May, but something came up and the surgeon won’t be available, so last Friday, the surgery was rescheduled at the last minute (last Friday), and is now scheduled for tomorrow (I got my new job offer this Tuesday and started that same day). If I don’t get the surgery tomorrow, I’d have to wait until the end of the year for the surgeon to be available again, which is impossible for health reasons. The surgery needs to happen tomorrow.
I don’t know what to do about my new health insurance. I’ve been driving myself crazy trying to research what to do when you have 2 jobs and health insurance through both of them. I have several questions:
I’ve read about something called the older/newer rule (or something like that), which states that if you have two plans, the plan that’s been active for the longest (in my case, Florida Blue) is the primary plan. Is that actually how it works? If that is how it works, can I just not provide my new insurance card? My new plan is a PPO, and it has a $1500 deductible and $7500 out of pocket max. This is my first PPO plan, so I don’t know how deductibles/OOP Maxes really work, but since this is a surgery, I’m assuming I’d have to pay at least the entire deductible ($1500) or maybe even my entire OOP max ($7500 – the surgery costs way more than this). I obviously don’t want to do that, because my Florida Blue plan would cover the entire cost of the surgery. Obviously, because I’ve only had Florida Blue up until now, my surgery is only “approved” through Florida Blue, not through my new insurance. If I provide my new insurance card tomorrow, will that be a problem? I’m planning on leaving my first job (the one I have Florida Blue through) soon, e.g. within a month or so. If I do leave within a month after my surgery, that would mean I lose my coverage through Florida Blue. Would that mean I end up having to pay back the cost of the surgery, or would it still be paid by Florida Blue since I was covered on the actual day of the surgery? I’m not really sure how insurance payments work (whether the surgery is fully paid for on the day of or if the bill is sent later and if I’m not covered anymore by the time it’s sent, I now have to pay it myself).
Sorry if I seem all over the place. I’m super stressed because of the surgery and now there’s this new issue. I never expected to get a job offer so close to my surgery date, but the offer was just too good to pass up and I had to take the new health insurance since I’m going to be leaving my first job relatively soon (if I didn’t take the new health insurance, I’d be without coverage).
submitted by /u/overworkedThrow_Away
[link] [comments]So, I got my first job last year. My first job’s health insurance plan is Florida Blue. I’ve had my first job (and my Florida Blue plan) since last year. I (very) recently got a second job. As in, 3 days ago. I now have a second health insurance plan through my new job. My new job’s health insurance card arrived today. Here’s the problem. I’ve got surgery scheduled for tomorrow. I’ve been working with my surgeon’s/specialist’s office through Florida Blue for over a year. The surgery was originally scheduled last year and it was meant to happen at the end of May, but something came up and the surgeon won’t be available, so last Friday, the surgery was rescheduled at the last minute (last Friday), and is now scheduled for tomorrow (I got my new job offer this Tuesday and started that same day). If I don’t get the surgery tomorrow, I’d have to wait until the end of the year for the surgeon to be available again, which is impossible for health reasons. The surgery needs to happen tomorrow. I don’t know what to do about my new health insurance. I’ve been driving myself crazy trying to research what to do when you have 2 jobs and health insurance through both of them. I have several questions: I’ve read about something called the older/newer rule (or something like that), which states that if you have two plans, the plan that’s been active for the longest (in my case, Florida Blue) is the primary plan. Is that actually how it works? If that is how it works, can I just not provide my new insurance card? My new plan is a PPO, and it has a $1500 deductible and $7500 out of pocket max. This is my first PPO plan, so I don’t know how deductibles/OOP Maxes really work, but since this is a surgery, I’m assuming I’d have to pay at least the entire deductible ($1500) or maybe even my entire OOP max ($7500 – the surgery costs way more than this). I obviously don’t want to do that, because my Florida Blue plan would cover the entire cost of the surgery. Obviously, because I’ve only had Florida Blue up until now, my surgery is only “approved” through Florida Blue, not through my new insurance. If I provide my new insurance card tomorrow, will that be a problem? I’m planning on leaving my first job (the one I have Florida Blue through) soon, e.g. within a month or so. If I do leave within a month after my surgery, that would mean I lose my coverage through Florida Blue. Would that mean I end up having to pay back the cost of the surgery, or would it still be paid by Florida Blue since I was covered on the actual day of the surgery? I’m not really sure how insurance payments work (whether the surgery is fully paid for on the day of or if the bill is sent later and if I’m not covered anymore by the time it’s sent, I now have to pay it myself). Sorry if I seem all over the place. I’m super stressed because of the surgery and now there’s this new issue. I never expected to get a job offer so close to my surgery date, but the offer was just too good to pass up and I had to take the new health insurance since I’m going to be leaving my first job relatively soon (if I didn’t take the new health insurance, I’d be without coverage). submitted by /u/overworkedThrow_Away [link] [comments]Read Morer/HealthInsurance