Money Matters
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Not really MM related, but I'm not sure where else to ask.
Has anyone had experience with having primary and secondary health insurance coverage? When DH and I got married in June, our plan was to add me and DS to DH's insurance and drop mine. DH is union and their insurance coverage is great, and the monthly premium is incredibly low. After getting through a hot mess of red tape I confirmed that we are covered and everything is good to go. My HR lady here at work just told me that our employer pays 100% of my health insurance premium, that my premium was for DS's insurance. So at first glance I don't see anything wrong with having double coverage, especially since LO is due in February.
Is there any way that having double coverage could come bite me in the butt?
Re: Health Insurance
At one point, the health insurance I was actually using sent me a form to fill out explaining why I had two plans. I filled it out, sent it back, and nothing problematic ever came of it.
Ducktale said: Not that I know of, but can't you each just get on your own policies? Why have both?
We had planned to just have us all on DH's plan and cancel mine. His premium is much much lower and his plan is 90/10 while mine is 80/20. So he added me and DS in July after we got married. I just found out yesterday that my employer pays 100% of the premium for employees, so it would cost nothing to keep my insurance for just me through my job. I believe that my insurance plan covers 100% of childbirth expenses which would help come February. But either way I'm already covered under his insurance.