Anyone Covered Under 2 Insurance Plans?

patchen30 · August 2009

I am currently covered under DH's insurance plan, but am thinking of picking mine up in the fall as well during open enrollment. Our coverage under each is as follows:

DH - 4 cycles ovulation induction, 3 IUIs, 2 IVFs, all lab tests and prescription drugs (but this would be limited in the case of ovulatory stimulants to 4 cycles).

Me - lifetime max $15,000 IF coverage for medical services, and lifetime max $15,000 IF drug coverage (this is applicable across plans).

First, if I had to choose, which do you think is better (I'm thinking DH's)? Second, if I have both, can I use up that on DH's plan and then move over to using coverage on my plan? If not b/c my plan states that it has to be the primary, can I use up my coverage and then move on to DH's?

EastCoastGirl* · August 2009

I'm not sure which is better; I guess this would really depend on what your clinic charges for procedures and which meds you would need?

However, you can absolutely be enrolled on both plans, and then you would need to designate which is your primary insurance. This is usually no more than filling out a form and submitting it to both companies. Once that is done, the office will usually bill both companies when you have a procedure; the primary will pay according to your benefit, and then the secondary will come in once the primary is maxed and / or if the secondary offers comparable coverage.

For example, my insurance (which is primary) covers radiographic procedures at 80%, no deductible. I had an MRI in March. My insurance paid 80% of the bill, and I would have had to pay the remainder OOP, but then DH's insurance (which is my secondary) kicked in and paid the balance.

lovemymonkey · August 2009

I am.

Once you pick up your insurance, yours will become the primary insurance and your DH's will become your secondary. So whatever your insurance declines will then be submitted to your secondary (DH's).

It's worked really well for me. Thankfully, my RE's office is really organized and good about staying on the ball re: insurance stuff. I've even gotten reimbursement checks from the RE office for copays b/c my secondary insurance ended up paying my copays from my primary insurance.

PrincessShay80 · August 2009

ditto to PP- DH's insurnace would be secondary. I have two plans- mine- which covers 6 IUI's and DH's which covers 10k max for fertility treatment and 10k for fertility meds.

Everything has to go through your primary and then if denied it will go to your secondary. I would defiantey get both plans, I think most girls would kill to have that kind of coverage.

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