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Double health insurance coverage

We have health insurance through my employer. My wife is starting a new job, should she sign up for health coverage there? What could be the implication? We are thinking of getting the dual coverage just in case i loose my job.
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replied March 26th, 2009
During the time that both will have coverage, primary would be to whichever partner is older, and secondary would be the insurance company of the younger spouse. I would recommend informing both companies, so they will know if they are going to be secondary or primary, which will help on invoice and refunds. Other than this, there aren't any implications that come to mind.
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replied May 24th, 2010
I do see that it has been some time since this post was created, nonetheless it is a great opportunity for research and education.

Lets break down this issue a little bit.

1 A married couple both subscribing to health insurance.
2 What could be the implications
3 Loss of employment.

At this point you can both strengthen your marriage by sitting together and review your finances. A few questions need to be asked, but first chart out how much you will both be allocating for medical coverage, on a monthly basis and for the year. You will need to confirm what type of plan each subscribes to and what plan best suits each other. Also remember that when there is a life altering situation, normally you can modify your medical plan. Talk to your prospective human resource admins to see when modifications can be made.
At the moment I see one of the worst implications that would be done is spending unnecessary amounts of money. Second not being able to be added to a plan. Ouch, it doesn’t have to be this way.
Loss of employment is horrible. I was put in a position where I had to cover myself and family with health benefits and insurance was way out of my budget. With the research I did I found a better alternative the insurance industry doesn’t want you to know about. Now I don’t think I will ever go back to insurance. There are programs available to everyone.
I ask who says we have to drink milk, the doctor or the dairy industry? Who says we have to have insurance when there are better alternatives?
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replied July 2nd, 2010
Health insurance is necessity. Dual Health insurance should be taken with guidelines of company policy and laws prevailing incase of any assistance contact me
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replied July 2nd, 2010
I do believe Health benefits are a necessity. whatever may suit the consumer. I personally have health benefits (not insurance) for almost 2 years now. I have taken my family to the dentist and have been to our physician multiple times. We receive 100% professional care. We will never pay outrageous premiums again. and so far within these 2 years I have saved well over $5000. I hope there is clairty between health benefits and insurance. Have a great day
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replied October 14th, 2010
Double insurance coverage is waste of money and head ache
In my experiences, Double insurance most like is waste of money and give you more works.

4 years ago, in 2006, at my work, I covered everyone my family and same to my wife at her work (both PPO and not Kaiser). We thought that in someway we will be covered 100% after copayment for each treatment or hospital or to specialist. But it turned out that even with double coverage, after co-payment, if primary insurance covers 80% for the total cost/bill, then we have to out of pocket another 20% to pay medical/hospital cost. So, we did not get 100% cover, besides that we have to write the letters and back and forth between my insurance and my wife insurance for the same treatment. I was wondering, why? as they have earned premium money of both of us (our company), why they don't work it out and provide cover 100%. I have called county (Santa clara, Califorina) and was told, that insurance don't cover 100%, having double insurance is more complicated and head ache. so what is the benefit of having double coverage?

For who is concerning when loosing the job, don't worry, at least in California, if the spouse loses his/her job, the remaining spouse can change the coverage immediately, just call insurance let them know, that your spouse lost the job and you what to add his/her to your policy.

I don't know now / lately as President Obama has changed the way health work / coverage.

Anyone knows with the recent changes what will effect to double insurance coverage (pay thru company) and any benefits?
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Users who thank timolthy for this post: kim_dues 

replied October 26th, 2012
As a quick reply, as this question is about as cold as they get. You don't need to be too concerned with "double insurance" as insurance companies communicate when there is need. The main goal is to keep the customer "whole," which means get as much paid out to you as is legal.

I will say, before I began my education as an insurance agent I too thought most of the companies out there were crooks. Now, my opinion has changed.

As for the "secrets," it isn't necessarily a secret (in fact I tell all my clients about it). And those secrets are two different things, one actually isn't insurance.

Option 1: Supplemental Insurance in addition to health insurance. Supplemental Insurance (or supps as we call it) are additional insurance that is typically paid to the CUSTOMER (not the insurance company) in the chance that something does happen. This can include cancerwise(which is a lump sum paid in the case you get cancer), hospital confinement (pays lump sum for the amount of days you end up in the hospital, the average hospital stay is 4.6 days), and can even include paying for time lost from your paycheck.

Option 2 is association benefits (NOT insurance). This is basically big coupons and discounts against the cost of medical care. There are federal associations and state associations. (In Illinois, we have both) The big sellers of these programs are agreed upon discounts with doctors and dentists (you get charged the same amount the insurance company does, which is a nice discount). And Tele-doc, which is a program where you can call a doctor 24hours a day. Basically, you call them and they ask you some questions, diagnose you over the phone and CAN fax a prescription to your pharmacy. No time lost at work, no lost sleep, no office visit cost.

So to recap, no, you don't have to be concerned about "double" insurance. You can both claim incedenses on both policies, you will get more from YOURS and he will get more from HIS as you would be the primary and vice versa.
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replied November 11th, 2012
Your severance package probably states something like, we will pay for your continuation for 6 months or until you get new coverage? Stay on the COBRA until your new coverage starts. Once it does, you will need to provide proof of your new coverage (copy of the cards should do), and they will take you off of COBRA. Your pre-existing conditions limitations should be met by your previous coverage, providing you had at least one year of coverage and there was not a break of more than 63 days between coverages. You'll just have to send your HIPAA certificate to your new coverage once you receive it. Just make sure your new coverage is completely in place before dropping your old, AND, if your new coverage doesn't have something that your old coverage did (like vision or dental), you can keep it for the full six months.
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replied December 7th, 2012
now a days health insurance is very beneficial every one should have their health insurance.....

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replied January 28th, 2013
This is true. health insurance is good thing everyone should have to do this.
but before any of insurance find out which is perfect for you according to your requirement.
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replied August 11th, 2016
Health insurance is become our basic need today because kind of environment we are living in is not good for our health. So secure your health with best health insurance company.
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replied October 4th, 2017
Hi,
Having a decent medical coverage design is awesome, however imagine a scenario where one had at least two medical coverage designs. Does that mean they would get twofold the advantages? Not precisely, but rather having at least two medical coverage designs helps cover any health care coverage costs better through the coordination of advantages arrangement.

To begin with, many are most likely speculation for what reason would somebody purchase two medical coverage designs when one health care coverage design is sufficiently costly in this market. That is valid, however many individuals are secured by two medical coverage designs without paying the additional cost. The most well-known illustration is when two companions or local accomplices have medical coverage and both of their managers give a health care coverage design.

This would imply that somebody who is a secured individual under their manager's given medical coverage design may likewise have scope for their companion or local accomplice's medical coverage design.
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replied October 25th, 2017
Moderate medical coverage is progressively hard to acquire. The impacts of the current changes to the laws that administer the American medicinal services industry stay hard to recognize. At any rate, unmistakably the cost of human services won't decay at any point in the near future.

All Americans will be required to convey medical coverage. In case you're sufficiently fortunate to have your own particular medical coverage approach as of now, you most likely have a few inquiries regarding its cost structure. Medical coverage can astound even the most sharp purchasers.

Singular medical coverage can be significantly all the more confusing when it includes numerous arrangements. "Twofold scope" is an extraordinary circumstance that influences a great many Americans. It normally emerges when two cohabitating local accomplices convey manager supported protection arrangements intended to cover the two individuals from simply such a household relationship. At the end of the day, a couple who each get family medical coverage scope from their bosses may wind up in the fortunate yet befuddling position of accepting health care coverage scope from two separate suppliers.

This assignment guarantees that your own supplier will cover the greater part of your medicinal costs. For example, your supplier will take care of the expense of your essential care visits, doctor prescribed pharmaceuticals and preventive screenings. They'll even pay for more intrusive techniques like colonoscopies and prostate exams.
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