Jump to content

Can Someone Have Two Plans From Same Self-Insured Plan?


Recommended Posts

Good morning everyone.  I know someone can have primary and secondary insurance, but we have a participant in a self-insured Plan asking if they can take out a second policy from our Plan to help diffuse some of the costs.  The argument is that you are allowed to have two plans, but I can't seem to find anything that says the primary and secondary can't come from the same Plan.

Does anyone have any guidance?

Thanks in advance!

Link to comment
Share on other sites

A few suggestions for ways to think about your question:

Many BenefitsLink neighbors remind us that an answer to a question about a retirement plan often might be answered by RTFD—Read The Fabulous Document. That reminder might help too with a health plan.

If the employer’s or labor union’s health plan is self-insured—that is, the benefit is provided other than by a health insurance contract, the plan’s documents state which coverage or coverages a participant (or continuee) may or must not choose.

Would it be odd for one health plan to allow more than one non-insured general medical coverage?

Because such a self-insured health plan’s benefits are not paid by a health insurer, might a coordination between distinct coverages be awkward because all benefits are paid by the same obligor?

Peter Gulia PC

Fiduciary Guidance Counsel

Philadelphia, Pennsylvania

215-732-1552

Peter@FiduciaryGuidanceCounsel.com

Link to comment
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
×
×
  • Create New...