Hello, Last year I signed up for health insurance through my job. It is just a preventive plan but I figured I could use it for routine appointments, etc. January of 2022 I found out I’m pregnant, so since my preventive plan doesn’t cover hospital costs I signed up for a plan through the marketplace in the state where I live. Now, after reading a few posts here I found out that I should have called the companies. I didn’t know that before I went to my first prenatal appointment. The problem is that I thought I could choose which insurance to use, but the clinic said that they had to bill first my work insurance and then if they didn’t cover stuff they would bill the second one.
Is there a way to make my marketplace insurance the primary insurance? I’m afraid my job won’t let me cancel the health insurance when it’s not “choose your benefits time”.
The first insurance declined the claim from the clinic because they are out of network but I really like this clinic and want to use it for the prenatal care.
What can I do in this situation? I hate that this is so complicated, I’m paying tons of money and can’t choose which plan to use.
submitted by /u/Even-Veggie123
[link] [comments]Hello, Last year I signed up for health insurance through my job. It is just a preventive plan but I figured I could use it for routine appointments, etc. January of 2022 I found out I’m pregnant, so since my preventive plan doesn’t cover hospital costs I signed up for a plan through the marketplace in the state where I live. Now, after reading a few posts here I found out that I should have called the companies. I didn’t know that before I went to my first prenatal appointment. The problem is that I thought I could choose which insurance to use, but the clinic said that they had to bill first my work insurance and then if they didn’t cover stuff they would bill the second one. Is there a way to make my marketplace insurance the primary insurance? I’m afraid my job won’t let me cancel the health insurance when it’s not “choose your benefits time”. The first insurance declined the claim from the clinic because they are out of network but I really like this clinic and want to use it for the prenatal care. What can I do in this situation? I hate that this is so complicated, I’m paying tons of money and can’t choose which plan to use. submitted by /u/Even-Veggie123 [link] [comments]Read Morer/HealthInsurance