Dropping primary health insurance in favor of secondary

Open enrollment is here…!

Background: Husband has really good health insurance through his employer and was already covered by mine. He covered me with his so we now have primary & secondary coverage each.

My insurance is costing us about $800 / month and I want to drop it in favor of taking my husband’s as my primary.

Question: Is there anything I need to do before I drop my primary to ensure the secondary will step in as my primary? Is it automatic?

I am seeing some saying I need to notify the insurance I want to be primary of this change, is this something I should do regardless just in case (strongly guessing the answer is “no duh, yes. call them up just in case”)

Should I do this notification and receive confirmation before I drop my primary or should I treat it as fire-and-forget?



View Reddit by turtleabhorrentView Source

Open enrollment is here…!

Background: Husband has really good health insurance through his employer and was already covered by mine. He covered me with his so we now have primary & secondary coverage each.

My insurance is costing us about $800 / month and I want to drop it in favor of taking my husband’s as my primary.

Question: Is there anything I need to do before I drop my primary to ensure the secondary will step in as my primary? Is it automatic?

I am seeing some saying I need to notify the insurance I want to be primary of this change, is this something I should do regardless just in case (strongly guessing the answer is “no duh, yes. call them up just in case”)

Should I do this notification and receive confirmation before I drop my primary or should I treat it as fire-and-forget?



View Reddit by turtleabhorrentView Source

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