My wife had traditional PPO health insurance through her employer. She left her job without activating COBRA and I (husband) added her to my health insurance which is an HSA-qualified high deductible plan.
Here is the chain of events and relevant info:
- 2017 – wife diagnosed with gallstones. Doctor gave the option of having it removed but she chose to control the symptoms through diet
- February 19, 2021 – wife left her job of 7 years (continuously insured) AND was added to husband’s health insurance effective immediately
- March 1 – wife’s insurance lapsed
- March 4 – wife goes to the ER, gallbladder infected/inflamed, and is transferred by ambulance to another hospital to have her gallbladder removed
- March 5 – wife undergoes surgery
- All procedures and providers (as far as we are aware) were in-network on the husband’s high-deductible insurance and would have been in-network on the wife’s former policy.
My assumptions:
- If we retroactively activate COBRA, her insurance would be primary, mine would be secondary.
- Her insurance would cover much of the cost, mine would pick up the rest of the cost but we would still have the high deductible to cover using the HSA account.
My questions:
- Are my assumptions correct?
- Would we benefit from activating COBRA?
- Could the earlier diagnosis come back to bite us in either scenario? (Scenarios being either we just keep her on my plan and eat the high-deductible, or we activate COBRA and then send that insurance info to all of the providers.)
- Am I missing anything that could come back to bite us?
She and I sincerely thank you for helping us navigate this!
submitted by /u/genericasallfuck
[link] [comments]
My wife had traditional PPO health insurance through her employer. She left her job without activating COBRA and I (husband) added her to my health insurance which is an HSA-qualified high deductible plan. Here is the chain of events and relevant info:
2017 – wife diagnosed with gallstones. Doctor gave the option of having it removed but she chose to control the symptoms through diet February 19, 2021 – wife left her job of 7 years (continuously insured) AND was added to husband’s health insurance effective immediately March 1 – wife’s insurance lapsed March 4 – wife goes to the ER, gallbladder infected/inflamed, and is transferred by ambulance to another hospital to have her gallbladder removed March 5 – wife undergoes surgery All procedures and providers (as far as we are aware) were in-network on the husband’s high-deductible insurance and would have been in-network on the wife’s former policy.
My assumptions:
If we retroactively activate COBRA, her insurance would be primary, mine would be secondary. Her insurance would cover much of the cost, mine would pick up the rest of the cost but we would still have the high deductible to cover using the HSA account.
My questions:
Are my assumptions correct? Would we benefit from activating COBRA? Could the earlier diagnosis come back to bite us in either scenario? (Scenarios being either we just keep her on my plan and eat the high-deductible, or we activate COBRA and then send that insurance info to all of the providers.) Am I missing anything that could come back to bite us?
She and I sincerely thank you for helping us navigate this!
submitted by /u/genericasallfuck [link] [comments]Read Morer/HealthInsurance