Reply to Get insurance coverage for child through both parents’ plans to help cover therapy?

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Reply to "Get insurance coverage for child through both parents’ plans to help cover therapy?"

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[quote=Anonymous][quote=Anonymous]What you need to look at is the joint coverage provisions of the policies. Depending on the policies, you could have double the amount of coverage. Or you could have only the amount of the higher of the two policies. Coordination of coverage provisions are complicated.  They can eliminate ate all of the benefits of double coverage, which would mean you still pay the same OOP but pay for an extra insurance policy.

I am an attorney who advised and litigated on this issue often. Know the policies you are buying. When it looks too good to be true, it probably is. [/quote]

So, to clarify, I think you are talking about the number of visits, not the amount of reimbursement, right?  Because even if you have joint coverage, you would still have to show that 120 PT visits/year were medically necessary.

For the actual costs of medically necessary care, I don't see how a secondary health insurance policy could just refuse to pay anything unreimbursed from the first policy.  How would that make any sense?

An of course, another issue is all the paperwork. I assume this is out of network so OP will have to be submitted 2 claims for each visit.  Total PITA even if you combine a bunch of visits on one claim form.  [/quote]

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