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  • Pros/Cons of 2 Insurances IF Husband & Wife have the EXACT SAME PLAN - BCBS/PPO Blue?

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    Old 01-10-2022, 07:41 AM   #1
    Tenacious
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    Question Pros/Cons of 2 Insurances IF Husband & Wife have the EXACT SAME PLAN - BCBS/PPO Blue?

    This is basically a "Coordination of Benefits" Question - if/when a Husband & wife both carry the EXACT SAME Family Health plan (though Deductibles are different & His runs Jan - Dec , whereas mine runs April 30- May 1)

    My Husband is getting a new Job & they offer the SAME INSURANCE I HAVE!

    My Birthday is a month before his, so as I understand, my PPO BLue card insurance will be PRIMARY. Unfortunately my INSURANCE has a higher Deductible to meet ($2,500 Ind/ $5,000 Family) whereas his is $1,500 Ind/ $3,000 family.

    This plan will cost him $300 a month, will it cover ANYTHING / any bills being the same exact insurance - with different Member numbers ?

    Can someone break down the Pros and Cons of this particular situation?

    I have called my Insurance Co, the REP told me to call HR at my job, she wanted to refer me to someone else.. then I called again to BC/BS, The Rep made it sound like it would pick up some things (not much of an explanation) then I got hung up on..

    ANYONE HERE work doing "Coordination of Benefits", and have seen this rare situation?

     
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