I have a Group Health Insurance related question. My wife works for the U.S. Post Office with Federal Blue Cross for both of us. I am totally disabled and have been since 1990. I have Medicare as well as the group health from my work Blue Cross of MA for me and my wife. We have been told that my wife’s coverage pays for us both first. Then I have Medicare which pays next for me, and then we have my coverage from my work which pays third for me and second for my wife. We agree with this, but this year my company changed insurance companies and when they pay, they want to only pay part of the claims and also charge us another co-pay. Everything I have read they should pick up the balance due at 100 percent because they are paying the least. Where do I find the laws that cover coordination of benefits and what the last company should pay? Is there anything in writing that is law and we do not have to always wonder who is right.
Coordination of benefit laws are at the state level. In Iowa, they are part of the Insurance Division Code 191, Chapter 38. Here is a direct link to the law: www.legis.state.ia.us/ACO/IAChtml/191.htm#chapter_191_38 By the time you read through and understand this law, you might be in need of coordinating benefits for the treatment of a nervous breakdown. Answer by moderator — June 30, 2009 @ 2:19 pm 1 CommentLeave a comment |
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It’s challenging enough for most people to manage and understand one insurance policy, so we sympathize with your situation. However, with all of the uninsured people in this country, don’t you feel a bit guilty having three health insurance policies (joking)?
I absolutely agree with you, I feel a bit guilty having two health insurance policies.
Comment by Vlad — September 22, 2009 @ 2:57 pm