Curious...

Can I have 2 UHC policies with 2 seperate companies? (my husbands employment and my employment) OR do I have to cancel one and get the other??????? I am asking bc my husbands insurance (UHC) says his company has an exclusion against the surgery. My company does NOT have an exclusion. thanks for any help!

Why would you be covered under two policies? Don't you have to pay any employee contributions? If you are covered under two policies, there are provisions for first and secondary payor, usually the earliest birthday is first payor. You NEED to READ your Summary Plan Description Booklets carefully for all of the answers to your questions. NEVER RELY ON THE VERBAL STATEMENTS OF ANY HR DEPT OR INSURANCE COMPANY RAT.

here is the deal...you can have 2 uhc policies ..your employment should be your primary carrier and your husbands will be sec... the only time birthday rule applies is in the case of dependent children hope that helps....just rely on your primary..

You can have two, and ALOT of people do. Because yours is through your employer it will be primary and your husbands will be secondary. In SOME cases the secondary will pick up some of your deductible, copays, and coinsurance even if they would have denied as prime. So be sure to submit to both when submitting your claims. The second poster is correct regarding the birthday rule and minor children. There are federal laws regarding who pays and when. But since we are dealing with you and not children it does not apply. As far as prime between yours and your husbands policy. Whoever is the primary subscriber on an active group policy is who is prime. Since you are still employed and you are the primary subscriber through your company....your policy is prime for you. Same with your husband, his policy is prime for him. This will not change until you are of retirement age and have medicare or in the event one of the two policies goes out on COBRA.