I asked this on the insuance sub but didnt get a response, figure I would try here.
My husband is now covered by two (very good) PPO insurance plans. Per my employer regulations he can be on my insurance, but must use his as primary. Per his employer, I can never be on his plan. We recently had a child, and when I added baby, I discovered that I pay the same amount no matter how many family members I add. So DH is now covered by both plans, and me and the baby are covered by just mine.
So here is my question. Due to having a baby, I met the family yearly deductible of $700 in 2018. Dh got sick and went to the doctor on 12/28... it was the first doctor visit all year for him., so he would still need to meet his $300 yearly deductible.
Am I correct in thinking that the doctor will submit to his insurance first, they will come back and say we owe $100 (or whatever the visit cost), because DH didn't meet his deductible. The doctors office would then submit that $100 bill to my insurance, and my insurance would pay the outstanding balance because we already met the yearly deductible on my account. ???????
Also his copay is $15, but mine is $20. Would we get a bill from the doctor for the $5 difference if my insurance ends up paying?
Is this the same proscess for dental, vision, and prescription? Any tips on dealing with two insurance plans? At times dealing with one is huge headache.
Thanks!
Submitted January 04, 2019 at 07:40AM by bitterbeerfaces http://bit.ly/2F9hc2o
