I am a single, 25 year old, male. I am currently still under my parents medical insurance. I believe this is a PPO plan.
Late last year, I started a new job in which I signed up for their provided HDHP with an HSA account. In this plan, I do not have to pay a premium and the company contributes to my HSA account every pay period.
Starting several months ago, I have been seeing an out of network provider via teleconference every month or so. I provided only my medical insurance from my parents plan as the HDHP has a high deductible. My prescriptions from this provider have been going though my parents insurance. However, the bill for the teleconference meeting must be payed in full then the bill must be submitted to the insurance company by me.
I just got around to submitting my claim for the teleconference bills. On the form for my parents insurance it asks if I have coverage from any other health plan and to attach the EOB statement of the primary plan.
My questions regarding this are listed below:
In this instance, what would be my primary plan? If my employers medical plan is the primary, do I have to submit the claim to them and pay full price due to the deductible? What about the previous prescriptions that have been billed to only my parents medical plan? Will this cause any issues? Should I also add my employers insurance to my account as well? Not a relevant question to the above topics but I can not contribute tax-advantage dollars to my HSA until I am off my parents insurance next year correct?
Thank you for any help you may be able to provide!
submitted by /u/Bowser1893
[link] [comments]
I am a single, 25 year old, male. I am currently still under my parents medical insurance. I believe this is a PPO plan. Late last year, I started a new job in which I signed up for their provided HDHP with an HSA account. In this plan, I do not have to pay a premium and the company contributes to my HSA account every pay period. Starting several months ago, I have been seeing an out of network provider via teleconference every month or so. I provided only my medical insurance from my parents plan as the HDHP has a high deductible. My prescriptions from this provider have been going though my parents insurance. However, the bill for the teleconference meeting must be payed in full then the bill must be submitted to the insurance company by me. I just got around to submitting my claim for the teleconference bills. On the form for my parents insurance it asks if I have coverage from any other health plan and to attach the EOB statement of the primary plan. My questions regarding this are listed below:
In this instance, what would be my primary plan? If my employers medical plan is the primary, do I have to submit the claim to them and pay full price due to the deductible? What about the previous prescriptions that have been billed to only my parents medical plan? Will this cause any issues? Should I also add my employers insurance to my account as well? Not a relevant question to the above topics but I can not contribute tax-advantage dollars to my HSA until I am off my parents insurance next year correct?
Thank you for any help you may be able to provide!
submitted by /u/Bowser1893 [link] [comments]Read Morer/HealthInsurance