Post # 1
I need opinions. We are TTC. I have two part time nursing jobs. One is close to home and the other one that I have my health insurance with is 90 miles away from my house. I’m assuming that I’ll want to give up the job that’s 90 miles away once we have kids. I’ve kept my insurance with the job far away because it’s good insurance. I’m wondering if I can get insurance from my local job also so they can’t claim it was preexisting condition.
Can someone have two different insurances? I wouldn’t use one if them unless I quit one of my jobs. I’m hoping to be able to work at both places until after I would deliver. Plus, we aren’t pregnant yet and now we are looking at it being the beginning of 2013 if I got pregnant soon.
Any thoughts or experiences????
Post # 3
So, you can have two different insurances, but the insurance companies have to work together on who is going to pay primary vs. who is going to pay secondary. You can’t pick and choose based on which insurance is better…the insurance companies decide that on their own. So when you go to the doctor, you have to present both cards, otherwise you could have issues down the line with recsinding claims.
Can you ask your job that is closer if their plans have any pre-existing condition clauses in their plan? My company doesn’t have any clauses, so it doesn’t matter if you’re pregnant or not…you can still get coverage with us.
Post # 4
@Mickey9998: I think, but am not sure, that as long as you don’t have any gaps in your insurance coverage, your new insurance company cannot say that you have a pre-existing condition when you switch over.
If it were me, I would stick with the better insurance until you are ready to quit that job and then you can switch over to the new insurance. As long as you don’t have a single day without health insurance, the new company can’t claim your conditions are pre-exisiting.
Post # 5
@bunny: That was always my understanding too. So long as you have no gaps in the coverage, you are fine.
Post # 6
I’m pretty sure that with most employer offered plans, pregnancy cannot be considered a pre-existing condition and it would be covered. Talk to the benefits office at your local job and find out what the policy is. Depending on how much your premium is, it may be worth signing up for only because it will cover more of your medical expenses than just the insurance you have now.