Two Insurances — One of Which I Didn’t Know About

Hello, I’ve seen a few of similar questions to mine but I’m just confused. Here’s the situation.

I was on my parent’s plan (lets say, ParentCare). I got a job not long ago which provided health insurance (call it EmployerCare) and told my parents to remove me from their plan (ParentCare). I thought they did.

A bit later, I was hospitalized for awhile and racked up thousands in medical bills. I only provided EmployerCare, because that’s the only insurance plan I knew of.

As you probably guessed, my parents never actually removed me from ParentCare (from negligence or just not knowing what they were doing, I’m not sure). My mom said I should try to use both on the bills to reduce the cost.

ParentCare isn’t bad insurance, but EmployerCare isn’t bad either. ParentCare is a family plan though, so the deductibles are a bit different (frankly I don’t know how to interpret them. Some places it says $2,000, then other places it’s says like $6,000 for “Enhanced” in-network services as opposed to “Standard”. Then other places are saying the “Family” deductible is like, $12,000???).

EmployerCare is simpler to understand as it is low cost, high deductible (basically I pay almost everything until I meet $2,000. I am definitely going to meet this).

MY QUESTION: If I use both insurances for these claims, what if I actually have to pay a higher deductible with ParentCare? Who determines which insurance is primary? Could I potentially pay LESS by using both? Can I just use EmloyerCare and not have to deal with any of this? This is all so confusing to me.

Thanks in advance.

See also  Aetna Exchange Policies Reimburse Lower Than Standard Commercial Plans