Can I be on two health insurances at the same time?

frodo-dog says:

You need to tell the primary insurance that you have a secondary and vice Versa. When you see a provider give them both cards and let them know which is primary The provider will bill the primary and get the primary payment AND Explanation of benefits (EOB) back, the provider will send the EOB to the secondary and get the secondary payment. Only after that has happened will the provider bill you the final balance. But identify which is primary (yours) and tell everyone that you have a secondary (your parents). Mismatch is irrelevant as both insurances pay a part. You are better off using both.

The_Chubby_Unicorn says:

You can be under both. I assume your insurance will be primary and the one from your parents will pick up what the first doesn’t cover. If you don’t tell your doctor about both, how would they know to bill the secondary?

If you don’t want the secondary, then tell your parents so they can stop paying for you. (If you make an impact on their premium).

Most_Morning5332 says:

Make sure you find out what your secondary is willing to cover that’s left over after your primary.

For example, some secondaries won’t cover deductible amounts from a primary, which means you’ll still have to pay that amount OOP.

Learned this myself recently when we switched from my employer’s free high deductible coverage to my husband’s more expensive premium coverage that covers some things specific to our needs more comprehensively.

Because my employer’s coverage had large deductible amounts (which we verified my husband’s coverage as a secondary would not cover), we’d have been on the hook for those for myself and our kids since my coverage was primary for us (due to birthday rule). It definitely would have ended up costing us more to keep both, even though my coverage had no premiums.

JoBonnie says:

Make sure there aren’t plan-specific limitations like an employer HSA but being on a parent’s HMO. Some insurances do not mix well together so make sure to double check.

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