I have a question about having double insurance. I have my own health insurance through my employer. My husband has his through his employer. I am thinking of adding my husband to my insurance. In the next 4-5 years he will probably have to have a kidney transplant because of a genetic disease he has. I am thinking having double insurance when this happens would be a good idea. Do you think this is a good idea or would I just be wasting my money. I anticipate a transplant will be costly and I am trying to think ahead.

Please advice.

You know, it really depends on the two insurances... And what you are doing... For instance. I know some insurances that have to be used as the primary and some that aren't allowed to be used as the secondary. So, if you have two that have to be used as the primary then it won't work. Some places won't even let you use more than one insurance. I think this is something that needs to be looked into at the source: Call customer service at both insurances and find these things out, and if nothing else switch to the better one, the one that has the lowest copays and such. Hope I helped.

There is probably a clause in both policies defining who pays for what, and under which circumstances. I doubt very much that there will be any double payment. Also, it is very difficult to predict what insurance will be like that far ahead considering the changes the politicians are proposing.

Many people will have two, one will be considered the primary, it will pay first, and then the other will pay on the balance after its deductables and co pays

Another possible consideration might be what will be covered... if he knows he has this condition that will most likely result in the need for a transplant, it would be wise to determine what would be deemed pre-existing and what wouldn't. Always read the small print!

Your insurance may not cover anything if you add him, given that this is a pre-existing condition.