Why is my health insurance asking if I have other insurance?Asked by: Fatima Bayer | Last update: February 11, 2022
Score: 4.3/5 (64 votes)
The carriers need to know about other coverage so they can coordinate benefits. If your wife were covered by two health insurance policies, her own policy would be her primary insurance provider and your health insurance plan would be secondary coverage. ... secondary coverage when you have two health plans” to learn more.
Do insurance companies know if you have other insurance?
Yes. There are specialty consumer reporting agencies that collect information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies. They may also collect driving records.
Can you have two health insurances at the same time?
Yes, you can have two health insurance plans. Having two health insurance plans is perfectly legal, and many people have multiple health insurance policies under certain circumstances.
How do you determine which insurance is primary?
Primary insurance is a health insurance plan that covers a person as an employee, subscriber, or member. Primary insurance is billed first when you receive health care. For example, health insurance you receive through your employer is typically your primary insurance.
Are health insurance companies allowed to ask about pre existing conditions?
Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.
Why Get Other Insurance If You Have VA Healthcare?
How long can a pre-existing condition be excluded?
A pre-existing condition exclusion can not be longer than 12 months from your enrollment date (18 months for a late enrollee).
Do health insurance companies have access to medical records?
Your medical information is legally protected under the Access to Medical Reports Act 1988 (AMRA). Your insurance provider can request access to your medical records if they feel it's necessary.
Can you switch primary and secondary insurance?
It is possible to change between primary and secondary insurance and for that, an individual who wants to stop the coverage of his/her primary insurance just needs to inform their secondary insurance about it.
Can I have 3 health insurances?
Yes, it is perfectly legal to have more than one health insurance plan. With the coordination of benefits, it can work to your advantage.
Which insurance is primary when you have two?
If you have two plans, your primary insurance is your main insurance. Except for company retirees on Medicare, the health insurance you receive through your employer is typically considered your primary health insurance plan.
What does coordination of benefits allow?
Coordination of benefits (COB) allows plans that provide health and/or prescription coverage for a person with Medicare to determine their respective payment responsibilities (i.e., determine which insurance plan has the primary payment responsibility and the extent to which the other plans will contribute when an ...
How do deductibles work with two insurances?
If you carry two health insurance plans and have deductibles with each plan, you're responsible for paying both of them when you make a claim. In other words, don't expect that if you pay a deductible on one plan, it will eliminate your obligation for the deductible on the other plan.
How do copays work with two insurances?
Normally patients that come in with 2 insurances should not be charged a copay. In most cases their secondary policy will pick up the copay left from the primary insurance. ... We recommend you bill those particular patients after both insurances process the claim for any remaining copay.
Do insurance companies communicate with each other?
While car insurance companies don't talk directly to each other, they do share information. All car insurance companies can access your claims history through a database called the Comprehensive Loss Underwriting Exchange (CLUE). They will also use other similar statistics to assess your risk.
What happens if you lie to an insurance company?
Intentionally lying to your insurance company is a form of fraud, and could result in fines, community service, or even jail time. If you lie to your insurance provider, you could be denied coverage, quoted higher rates, or face penalties like fines, community service, or even prison.
What happens if insurance company Cannot contact other driver?
If you don't know the other person's insurance company and have no way of contacting the at-fault driver, get a “declarations page” from your insurance company to see the extent of your coverage. In the very least, you may find that your coverage will be enough to fix all of your damages and pay any medical bills.
What happens if you have multiple health insurance?
Policyholders can have any number of health insurance plans. However, they cannot claim reimbursement for the same expense from multiple insurers. If one cover is not sufficient, the other cover can be used to cover the expenses. Health Insurance is of utmost importance for every individual.
Can spouses be on each others insurance?
A. Yes, it is legal. The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses. ... However, only 86 percent of those employers allow spouses to enroll if they have access to coverage from their own employer.
What is secondary insurance coverage?
Secondary health insurance is coverage you can buy separately from a medical plan. It helps cover you for care and services that your primary medical plan may not. This secondary insurance could be a vision plan, dental plan, or an accidental injury plan, to name a few. ... Some secondary insurance plans may pay you cash.
Who decides primary and secondary on health insurance?
COB creates a framework for the two insurance companies to coordinate benefits so they pay their fair share when both plans pay. COB decides which is the primary insurance plan and which one is secondary insurance.
Can I use my husband's insurance as primary?
In general, when spouses both have insurance plans, your own plan would be your primary insurer and your spouse's plan would be secondary. ... If there is a second policy, it will pay for what the primary plan didn't, but only as long as the medical treatment or services are covered benefits under that plan.
Can I be on my parents health insurance and my own?
Can I stay on my parent's policy? Yes. Eligibility for group health benefits through your own job does not make you ineligible to be covered as a dependent on your parent's policy up to the age of 26.
What is an MIB check?
Formerly known as the “Medical Information Bureau,” MIB Group, Inc. (or simply MIB) checks records to uncover “errors, omissions or misrepresentations made on insurance applications.”  It's similar to a credit report for the life insurance process, and it helps prevent fraud and lower risk for insurance companies.
How far back do insurance companies check medical records?
How far back do life insurance companies look at medical records? A life insurance medical records request usually focuses on the past five to ten years. The insurer wants to find out if you recently had illnesses or treatments.
Do insurance companies contact doctors?
Indeed, the insurance company doctor may even call the treating doctor for a peer to peer phone call, to make sure it provides a full and fair review. Of course, the idea makes sense, who else knows the medical condition and barriers to working better than the treating doctor.