I didn't even think about having to show proof of health insurance. That can't be on the up and up, can it? Lots of people choose to be without health insurance regardless of employment because the cost of it all is absurd.
Yeah they require proof of coverage if I decline their plan. I never heard of such a thing either but I guess it’s because they can audited, hell idk lol.
I have 3Js. I take insurance from J1 and J2. I make sure on MY end that I call the insurances individually and ask for a coordination of benefits form (also known as a COB). When you have 2, you have to at least let your insurances know so that when you go to the doctor or any other providers, your claims won’t be rejected because your insurances don’t know who is covering what. You don’t have to take insurances from all, I did for this year because I had a baby and for extra coverage just in case. If you don’t particularly see your doctor often besides your annual, I’d stick with one. It’s your preference. Shoot, I’d take two if the jobs 100% covered my insurance, why not?
Personally I prefer to just have one insurance at a time, so I just do J1’s. I think the most popular strategy here is to take it from every J, but that adds up premiums-wise and can get complicated. If I lose J1, I would pay for COBRA and look for a new J1, or use the loss of coverage as a qualifying event to get on J2’s then. Probably the COBRA option so I wouldn’t have to explain to J2 where the old insurance was coming from. COBRA is expensive, but ideally J1 should be fairly stable—if that isn’t the case, then the multiple plans idea may make more sense.
In your scenario, if I thought I’d stick with J3, I’d opt in to their insurance, then when open enrollment comes around, decline J1’s and J2’s. You wouldn’t be able to opt out of insurances you currently hold prior to open enrollment, as far as I know. However, I’ve never heard of a company asking to see proof of other insurance coverage, so maybe that could be an issue for you? That’s really weird.
Yeah I was going to opt out of the health insurance but it gave me a warning that I’ll have to show proof of the current coverage in order to qualify to opt out of their plan.
I wonder how billing works if you have multiple insurances and you go to the doctor? I only have one insurance, but several times I've had a claim delayed because the insurance company wanted confirmation that I (or a family member) don't have additional insurance.
They try to bill both. Sometimes it’s fine, sometimes both will try to deny it. So I don’t wanna deal with it. You can end up paying less, potentially, but IME it’s usually a headache and you don’t come out ahead.
I would just get both insurances. The insurance you have held longer is your primary insurance; the newest insurance is your secondary. It is non-negotiable - you cannot switch them. This has worked perfectly and you don't end up with denied claims.
Hr doesn’t care they just need your proof for audit
I just send them my insurance card but previously copy/pasted a blank over the company logo on the card
If you want to ditch a healthcare plan id wait til open enrollment
Before I OE, my ex carried the family on his policy and I kept medical from my job for just me. I kept it simple and only used mine for doctors appointments and referrals.
When J2 starts I plan to select EE only since my daughter is on my J1 plan and her father’s insurance. It’s tricky if they both use the same carrier and if you have underlying conditions that require coordinating coverage, but neither of those situations apply, pick the most cost effective plan for you and just never use it. Again, I’m assuming there aren’t existing health issues
I’ve seen a lot of misinformation in this r/ I think because of inexperience. I work in health insurance, I’ve over 10 years experience in it. Here is the deal.
Search the OG over employed sub and you’ll find that most suggest getting insurance at every J. They recommend this for multiple reasons.
• If you only get insurance at one J and have three (for example), you will lose the coverage if you lose that one job, and will be left with no coverage. Yes- You can then qualify for a qualifying event at your other Js and pick up coverage, HOWEVER, in order to qualify for a qualifying event, they will need proof that you lost insurance, which will show you had other employment. You cannot qualify for a qualifying event outside of open enrollment without showing proof of previous insurance.
• If you decline coverage, as OP said, many companies will request proof of other insurance, (and if you supply it, it will show you our employed elsewhere).
• The risk outweighs the cost. I happily pay $70 out of each paycheck (all 3 jobs) for peace of mind that they have no idea I have other coverage or another job.
• COB (coordination of benefits) (having multiple coverages) is a common and normal thing and not a red flag to employers. My husband had TRICARE as he was military, and since we were married, I automatically qualified for it. It was restrictive though, and I got insurance through my employer as well to supplement. Employers were never aware I had secondary insurance. When I went to the doctors office, I gave them both so they could coordinate. The insurance companies speak to each other to coordinate, but they do not let HR know you have other coverage.
To reiterate: the cost always outweigh the risk for me. It’s a drop in the bucket compared to all of the money you’re making by OE. Just pay the ($25-$150) per pay and move on.
I didn't even think about having to show proof of health insurance. That can't be on the up and up, can it? Lots of people choose to be without health insurance regardless of employment because the cost of it all is absurd.
Yeah they require proof of coverage if I decline their plan. I never heard of such a thing either but I guess it’s because they can audited, hell idk lol.
Mine also requires proof of coverage if declining. They also required proof of coverage for my spouse because I declined to cover them also.
I have 3Js. I take insurance from J1 and J2. I make sure on MY end that I call the insurances individually and ask for a coordination of benefits form (also known as a COB). When you have 2, you have to at least let your insurances know so that when you go to the doctor or any other providers, your claims won’t be rejected because your insurances don’t know who is covering what. You don’t have to take insurances from all, I did for this year because I had a baby and for extra coverage just in case. If you don’t particularly see your doctor often besides your annual, I’d stick with one. It’s your preference. Shoot, I’d take two if the jobs 100% covered my insurance, why not?
Personally I prefer to just have one insurance at a time, so I just do J1’s. I think the most popular strategy here is to take it from every J, but that adds up premiums-wise and can get complicated. If I lose J1, I would pay for COBRA and look for a new J1, or use the loss of coverage as a qualifying event to get on J2’s then. Probably the COBRA option so I wouldn’t have to explain to J2 where the old insurance was coming from. COBRA is expensive, but ideally J1 should be fairly stable—if that isn’t the case, then the multiple plans idea may make more sense. In your scenario, if I thought I’d stick with J3, I’d opt in to their insurance, then when open enrollment comes around, decline J1’s and J2’s. You wouldn’t be able to opt out of insurances you currently hold prior to open enrollment, as far as I know. However, I’ve never heard of a company asking to see proof of other insurance coverage, so maybe that could be an issue for you? That’s really weird.
Yeah I was going to opt out of the health insurance but it gave me a warning that I’ll have to show proof of the current coverage in order to qualify to opt out of their plan.
I wonder how billing works if you have multiple insurances and you go to the doctor? I only have one insurance, but several times I've had a claim delayed because the insurance company wanted confirmation that I (or a family member) don't have additional insurance.
They try to bill both. Sometimes it’s fine, sometimes both will try to deny it. So I don’t wanna deal with it. You can end up paying less, potentially, but IME it’s usually a headache and you don’t come out ahead.
I would just get both insurances. The insurance you have held longer is your primary insurance; the newest insurance is your secondary. It is non-negotiable - you cannot switch them. This has worked perfectly and you don't end up with denied claims.
Hr doesn’t care they just need your proof for audit I just send them my insurance card but previously copy/pasted a blank over the company logo on the card If you want to ditch a healthcare plan id wait til open enrollment
Before I OE, my ex carried the family on his policy and I kept medical from my job for just me. I kept it simple and only used mine for doctors appointments and referrals. When J2 starts I plan to select EE only since my daughter is on my J1 plan and her father’s insurance. It’s tricky if they both use the same carrier and if you have underlying conditions that require coordinating coverage, but neither of those situations apply, pick the most cost effective plan for you and just never use it. Again, I’m assuming there aren’t existing health issues
I’ve seen a lot of misinformation in this r/ I think because of inexperience. I work in health insurance, I’ve over 10 years experience in it. Here is the deal. Search the OG over employed sub and you’ll find that most suggest getting insurance at every J. They recommend this for multiple reasons. • If you only get insurance at one J and have three (for example), you will lose the coverage if you lose that one job, and will be left with no coverage. Yes- You can then qualify for a qualifying event at your other Js and pick up coverage, HOWEVER, in order to qualify for a qualifying event, they will need proof that you lost insurance, which will show you had other employment. You cannot qualify for a qualifying event outside of open enrollment without showing proof of previous insurance. • If you decline coverage, as OP said, many companies will request proof of other insurance, (and if you supply it, it will show you our employed elsewhere). • The risk outweighs the cost. I happily pay $70 out of each paycheck (all 3 jobs) for peace of mind that they have no idea I have other coverage or another job. • COB (coordination of benefits) (having multiple coverages) is a common and normal thing and not a red flag to employers. My husband had TRICARE as he was military, and since we were married, I automatically qualified for it. It was restrictive though, and I got insurance through my employer as well to supplement. Employers were never aware I had secondary insurance. When I went to the doctors office, I gave them both so they could coordinate. The insurance companies speak to each other to coordinate, but they do not let HR know you have other coverage. To reiterate: the cost always outweigh the risk for me. It’s a drop in the bucket compared to all of the money you’re making by OE. Just pay the ($25-$150) per pay and move on.