Eric is insured by two different insurance companies. His Dads and mine.
As far as the billing, the way it works for him is you have a primary insurance that pays the brunt of the bills, and then the secondary insurance which pays anything left over after the co-pay.
Erics dads (Paul) birthday is in February and mine is in September. So...that automatically makes Pauls insurance the primary as his birthday falls earlier in the year than mine does.
So, Pauls insurance gets the bills. they pay what their plan calls for. then the doctor or hospital bills my insurance for the rest.
When Eric goes for his Remicade, we do not pay anything out of pocket. Actually, we dont pay anything out of pocket at all, but....if Eric had an appointment for the regular doctor and my insurance had to pay part of it, I would be billed for my co-pay and that is it. Everything else is covered.
I hope that makes sense...if not, let me know, and I will try again.
If both of your insurances are under your name, I am not sure how they would decide which is the primary and which is the secondary.
Find out if your company is self insured. If not...ask your HR person. They may be able to help you. If your company is self insured, dont ask. They will be looking out for themselfs first, not you.
You could call the insurance commissioner in your state. I am sure that they could answer any questions that you have.
I dont think I would dare to give up the private insurance. If something happened with your job, you may need it. Yes, there is cobra, but it is short term, and very expensive.
Good luck!
Lori
