I have 2 primary health insurances. About 15 months ago, I was 90% sure my company was going to go out of business. I landed a a job in consulting. I signed up for benefits at the new job ready to quit/be let go from the old job as they went into bankruptcy.
The consulting company put me on mostly 2nd shift kinds of things. The first job got capital investment firm to help out, and no layoff. I’ve been with both and managing until I figure out is there’s a future with job 1.
So, new job has been the health insurance I use. I’ve used it for everything. I got a colonoscopy. And a letter from new company insurance saying they need me to use primary insurance. I consider them the primary. New job health insurance refuses to pay the hospital bill now.
Has anyone dealt with this? How do I get the health insurance company I’ve been using all year long to pay the bill? Note: The deductible is met with job 2… and nothing on job 1’s bill. Insurance companies are talking to each other out there.
That’s not how Coordination of Benefits work- you don’t get to pick which one is primary, there are rules.
In a situation where you are the employee on 2 work plans, the one you have had the longest is primary, the newer one is secondary. There’s no getting around that.
You should also have informed both insurance companies of your other coverages.
and you may want to work to correct this immediately. Now that the two companies know about eachother, your newer plan is going to learn they aren’t primary and will start retro-denying the claims they paid out.
You need to contact your providers and ask them to re-run the insurance with your rightful primary (the older plan) THEN send it to secondary. You only have a certain amount of time to file a claim timely, after that expires, then you could be stuck with the bill in full, no insurnace.
I advise you to correct this now— it’s not an “if” they correct this situation, it’s a WHEN do they catch/correct this? (and trust me, they WILL figure it out eventually, could be years later— when you can’t correctly file on time with the rightful primary).