Secondary coverage question (KP Southern California)

KP member in southern california. I get my insurance through my employer. I’ve been dealing with an ongoing issue without a diagnosis for over six months now. To Kaiser’s credit they are still ordering tests but the process has been a long one. I’ve received some treatments for the symptoms since, and some are controlled substances.

I am now in my employer open enrollment period. I am considering switching my primary insurance coverage to Anthem PPO to seek specialist help outside of Kaiser. I am thankful to my Kaiser doctors who have continued to treat me in this period, but I could access Cedars, Keck, or UCLA with PPO. Even if I were to switch, I could keep Kaiser as secondary coverage through my wife (for the additional premiums).

This seems the safest route if Kaiser will continue my treatments, because I am afraid the process of continuing my controlled substances may be rocky if I were to change providers entirely. However I’m not sure if I will have issues with Kaiser if they suddenly drop to a secondary policy. I’m unfamiliar with the specifics of how insurance billing works in a two policy situation. Without these medications I’m not sure I could even continue working.

Anyone with a similar experience able to give me some insight? Thanks in advance.

submitted by /u/jdbeisksbdhend
[comments]