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  1. #1
    Join Date
    Oct 2012
    Posts
    1

    Default Can the Same Health Insurance Provider Be Primary and Secondary

    My question involves insurance law for the state of: Ohio
    My husband's employer offers health insurance through the same health insurance company that is provided though my employer. My question is: is it legal and possible to use the same health insurance provider as a primary and secondary?

  2. #2
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    24,103

    Default Re: Insurance Providers

    Of course it is.

    But whenever you are using both a primary and a secondary carrier, regardless of whether it's the same or different insurance provider, you want to read both policies very carefully, particularly the sections about coordination of benefits. Unless the secondary policy (your husband's policy is secondary for you; your policy is secondary for him) is significantly better than the primary policy, it rarely makes financial sense to pay the premiums on both policies.

  3. #3
    Join Date
    Sep 2011
    Location
    OH10
    Posts
    17,019

    Default Re: Insurance Providers

    In this situation, kids would go by the birthday rule. Parent w/birthday closest to the beginning of the year is primary.

  4. #4
    Join Date
    Jan 2010
    Location
    New Jersey
    Posts
    3,632

    Default Re: Insurance Providers

    Your husband and you are throwing money down the drain. Find out who has better coverage and which policy has a smaller deductible and co pay and then cancel the other. Unless both you are receiving your insurance from a Union job and pay nothing for your coverage.
    I'm not a lawyer, but I did stay at a Holiday Inn Express last night.......

  5. #5
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    24,103

    Default Re: Insurance Providers

    WTG was a little more blunt than I was about it, but...yeah.

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