<p>Be careful of double coverage. I left DS on DH’s plan since the cost was the same due to DD still living at home. DS is at college in MA and was required to have insurance there. DH’s plan is Health Net HMO. Son had radiology work done in MA. His school’s Blue Cross tried to deny the claim because they claim HMO is primary insurance. Claim that insurance has to be submitted to HMO and then denied. Ridiculous…HMO is in CA. Anyway, I finally had him removed from HMO to avoid the double coverage issue.<br>
Not worth the problems with Blue Cross in MA.</p>
<p>Double coverage IS a headache. The primary DOES have to deny the service first and then the secondary covers it. ALSO buyers…double coverage does NOT mean more payment. Both companies together are only going to pay the reasonable and customary cost for a treatment in total. We found double coverage to be a HUGE headache. HOWEVER having said that…DD might just have it next year as DH’s policy will cover her until age 26 if she is insured by them prior to her graduation from college. SO…next year…she’s going to have their coverage too. It’s too late to have her removed from my plan for the upcoming year.</p>
<p>I’ve been through submitting the paperwork twice, but since neither is a HMO, we usually get 100% coverage. Since most of the providers here are preferred, they accept the usual and customary rates and usually submit the paperwork to both insurance companies. Both plans are mostly employer paid, so it wold be a waste not to use it. I’ve checked where S4 will be going and the preferred provider network has many options, including the major hospitals.</p>