How do you define double dipping on insurance?
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I have 2 step kids. We have had insurance on them for over a year. We just switched insurance and their mother decided to put them on her new husbands insurance. Which now we have 2 insurance companies. She won’t agree that ours is primary and I am worried about double dipping. She would use her insurance where she lives, and we would use our insurance where we are. Would that be double dipping on insurance? I don’t want to have to hire a lawyer to figure it out.
Its very common between 2 working people and or divorced parents
Most policies contain a clause which states that if you have “other” insurance then this policy doesn’t apply. Some policies state that if you have “other” coverage then BOTH policies would “share” in the expenses but not to exceed the value of the claim. It is a precautionary measure.
I would suggest reading both policies…..or if a claim is presented on the kids then you would have to chose which one will be submitted for a claim.
My suggestion is to make terms and Eliminate the weaker policy all together and save some money.
Double dipping is collecting twice on the same claim. What you are describing is NOT double dipping.
It’s not up to the policyholder, or the insured, to determine which policy is primary. The problem is, it’s written into the POLICY how it covers, if another policy is in place. So if they get a medical bureau report that another policy is paying, red flags go up, and it’s possible BOTH policies will stop paying. It’s equally possible that no flags will go up, and this arrangement will work fine.
It’s another way of “acquiring another insurance”. Fraud
While this is not double dipping, it is not smart. In the divorce decree, who is listed as the one responsible for the health care of the children? Their insurance would be primary. Has the mother listed the other insurance coverage on her new husbands policy? If not, it is indeed fraud. She knowingly withheld the other insurance information.
Get your attorney on the phone. It could get ugly.
Neither insurance will pay citing other coverage. You will go from having two insurances to having none. You need to establish one as primary and the second as secondary or you will have a denied claim.
most insurance companies look at this: (1) divorce decree: who is court ordered to maintain coverage? that person who is listed – their ins will pay first. – if that is not mentioned, then (2) who has primary custody? if joint custody, then WHO is the primary custodial parent? – that would be who would be primary. (3) if neither of those apply then usually it will be who had the insurance longer in place…or who’s parent’s birthday falls first in the year (not the year, the month/date) but probably who’s insurance was in place longer…. call the other carrier ASAP and report that the children have coverage with the other plan, give them details, fax in the card copy. you have now released your liability from the situation by reporting it ASAP. same goes for your carrier, you need to report the other insurance immediately. most of the time if both parents furnish a copy of the Div Decree promptly with card copies of the other insurance determining who is primary can be resolved easilily. it is those that drag their feet /producing the documents and that holds up claims processing. lastly, both ins cos probably can pay, but will probably only pay in the coordiation of benefits order. primary first, then secondary a minimal portion. most second plans do not pick up the difference anymore.
Yes, also this could be considered as insurance fraud since either company is aware of the other. You can list one as primary and secondary. I would get this squared away with your agent before you have a big problem.