q : why do i
really need to pay
something out of every pocket ?
i actually have 2 health insurance plans. between them, shouldnt
these cover all the costs ?
a : unfortunately, most insurers
modified the rules
beneath that these coordinate benefits
among yesteryear 10-15 years.
beneath the new rules, theres less economic advantage
to possess 2 ( or
additional ) health insurance plans.
currently being a general rule, if
you've got 2 health plans and you receive
each of those on
your own individual ( i. e. you dont get either
as to firmly the plans
to perform your spouse ), then
typically the
set up that youve had
for our longest
length of time ought to the primary policy.
but,
there may be lots of variables
which will replace the result.
for instance, if one
of one's plans is medicare and you
obtain the alternative set up to perform your employer, then
possessing a medicare
set up will replace the order of benefits,
betting on the scale of one's employer.
confusing ? yup. if youre having
issues with an insurance issue and you
are now living washington state, feel free
to provide us a
decision. we
might be able to facilitate. our insurance consumer hotline is open from 8 a. m. to 5 p. m., monday through friday. the phone
variety if 1-800-562-6900.
you might want to conjointly reach us at askmike@oic. wa. gov.