two insurance carriers

Message

Author

Posted: Tue Oct 20, 2009 9:40 am Post subject: two insurance carriers

If my husband and I both carry insurance from our employers, can we combine them both as a primary and secondary payors so that we would not have out of pocket expenses?

mom_and_rn

New member

Joined: 20 Oct 2009
Posts: 3

1.56 Dollars($)

Posted: Tue Oct 20, 2009 1:21 pm Post subject:

Did you mean to post this in the auto section? Policies will spell out how they react when then is another policy that applies. In most cases with auto insurance the policy that lists the vehicle will be primary.

tcope

Forum Expert

Joined: 22 Nov 2006
Posts: 2779

Location: Salt Lake City, UT
248.00 Dollars($)

Posted: Tue Oct 20, 2009 7:06 pm Post subject:

oh no, this is a health insurance question

mom_and_rn

New member

Joined: 20 Oct 2009
Posts: 3

1.56 Dollars($)

Posted: Wed Oct 21, 2009 1:39 am Post subject:

No, you cannot. The only way you could coordinate the benefits as you suggested would be if you were BOTH insured under BOTH plans. If that were the case, there are provisions within most group contracts titled "Coordination of Benefits" provisions that govern which plan would be primary and which would be secondary. InsTeacher _________________ It is what it is...

InsTeacher

Forum Expert

Joined: 13 Aug 2007
Posts: 707

Location: Oregon, USA
88.51 Dollars($)

Posted: Wed Oct 21, 2009 2:42 am Post subject: thank you

that's what I meant, if we both carried insurance for ourselves and each other. Is that something that people do?

mom_and_rn

New member

Joined: 20 Oct 2009
Posts: 3

1.56 Dollars($)

Posted: Wed Oct 21, 2009 5:17 am Post subject:

Hi InsTeacher, I hope it'll be better if you could explain this "coordination of benefits" thing a bit. I've never come across this topic in our forums before. An explanation of the said provisions might just clarify it a bit.

steven

Senior member

Joined: 02 Feb 2006
Posts: 760

116.97 Dollars($)

Posted: Fri Oct 23, 2009 4:23 am Post subject:

Steven, There's another post where I gave the details about Coordination of Benefits provisions. Scroll down a few posts and you'll see my response. Here's the link: http://www.ampminsure.org/health/high-deductible-plan-1.html InsTeacher _________________ It is what it is...

InsTeacher

Forum Expert

Joined: 13 Aug 2007
Posts: 707

Location: Oregon, USA
88.51 Dollars($)

Quick Reply

Your Name

Subject

Message body

Ask Community Experts

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

We Make You Insurance Smart