(Closed) Secondary insurance

posted 6 years ago in Married Life
Post # 3
Member
3471 posts
Sugar bee
  • Wedding: July 2012 - The Gables Inn, Santa Rosa, CA

It can also be a little expense, depending on the kind of policy you’ve got… I’d look at the cost of adding you to his policy, and basethat against what they’ll cover after your insurance has paid– you might find that you’ll spend more on the policy than you will save by using it.  

Post # 4
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

I agree.  Depending on how good your primamry policy is, you may end up spending more on the secondary policy than what it would actually potentially cover.

Post # 5
Member
752 posts
Busy bee
  • Wedding: October 2011

Agreed…you’ll likely end up spending more than saving.  If you were to lose your job and lose your insurance you could then sign up for your husbands at that time. 

Post # 6
Member
752 posts
Busy bee
  • Wedding: October 2011

And I do want to add…have you priced out what makes more sense?  Is it cheaper for him to come to yours?  You to go to his?  Each keep your own?

For us, it worked out significantly cheaper for me to drop mine and get on his.  His yearly deductibles, copays and monthly costs were overall a lot less than mine.

Post # 7
Member
5958 posts
Bee Keeper
  • Wedding: April 2018

Depending on what state you are in that could be illegal and actually negate both policy’s coverage.  It’s referred to as “stacking” and it can be construed as fraud since a person could concievably claim benefits under both, and then whichever company pays last, the credit would be sent to you in the form of a check from the medical facility….so, check with the laws in your state, verify which coverage is more comprehensive and affordable and then pick one because you certainly do not want to try and double up and end up with nothing.

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