Can employer force you to pilfer their free insurance?
Three years ago, when I was first hired, I was given the odds and I opted out (even signed the paperwork). My husband's benefits were much better and I do turn to the doctor on a regular basis. Friday, I received an insurance card from them and was told that it be free and that they had to have 100% taking part in order for the company to attain their benefits. They can't opt me out until 2007 and now I have a superior co-pay and a out-of-pocket deductible to meet. How can they do that? I haven't signed anything and they used my social security number lacking my knowledge. As far as I'm concerned, that's identity theft! I hold two doctor appt's that I can't miss. I have been so upset. Any thoughts?
Answers:
Throw the new card away and keep using your husband's insurance. Problem solved.
why not use your original insurance. you still have it, you a moment ago have a back up very soon.
There is a different federal law, but it relates to "janitor insurance" -- life insurance for which the employer be the main beneficiary.
As for health insurance: you can usually allege one policy "secondary" to another. But you have to take the initiative. I own done that with household cover because I have both homeowners and renters and the renters policy is better. I forced the agent to return with a letter from the household company acknowledging that the policy be secondary.
No reduction contained by premium, but it avoide the problem of co-insurance, deductibles, absence of new-for-old and other stuff that the forced insurance didn't offer but the renters policy did.
On strength, I have FEHBP (government employee/retiree insurance) so I have to study out for the same sort of issue, but I haven't had to constraint acknowledgment of secondary cover yet. My "other" cover is national form service (UK), and that doesn't count.
Related Questions:
Answers:
Throw the new card away and keep using your husband's insurance. Problem solved.
why not use your original insurance. you still have it, you a moment ago have a back up very soon.
There is a different federal law, but it relates to "janitor insurance" -- life insurance for which the employer be the main beneficiary.
As for health insurance: you can usually allege one policy "secondary" to another. But you have to take the initiative. I own done that with household cover because I have both homeowners and renters and the renters policy is better. I forced the agent to return with a letter from the household company acknowledging that the policy be secondary.
No reduction contained by premium, but it avoide the problem of co-insurance, deductibles, absence of new-for-old and other stuff that the forced insurance didn't offer but the renters policy did.
On strength, I have FEHBP (government employee/retiree insurance) so I have to study out for the same sort of issue, but I haven't had to constraint acknowledgment of secondary cover yet. My "other" cover is national form service (UK), and that doesn't count.
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