Can someone explain secondary insurance through my spouse to me?
In the USA. I’m currently insured through my spouses insurance plan which is fantastic. I’m considering a new job that offers insurance, but it looks possibly pretty miserable in comparison. I only have the option of then using my spouses as secondary coverage if they offer me insurance. I have a primary doctor I’d still like to see who doesn’t appear to be in their network, and I have to go to a specialist (dermatology) on occasion. If I’m understanding their policy they don’t do any specialist coverage until you pay $1000 “per event”, which also sounds insane. They have a section called examples of service after meeting IUA which is member initial unsharable amount of “$1000 per event”. Under specialist it says “plan shares 100%” after meeting IUA. Right now I pay $50 per visit for that. So in this situation would I have to pay the primary’s insane IUA charge (or more likely just the out of pocket cost for the entire visit because it would be less than $1000 I’m sure, or would the secondary kick in cover that? If any of this makes any sense? It’s very confusing. Additionally could I just go to my normal doctor? They’d just bill the primary which I assume would cover zero, and then bill the secondary that currently covers all of my primary visits? I’d appreciate any help, as this insurance stuff may make or break me taking a job I was pretty excited about.
submitted by /u/No-Let8686
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