I question this reply.  I have had double coverage through my own and my
spouses employers and the "secondary" (my husband's insurance program) has
covered most of my 20% co-pay for my primary insurance (after the deductible
on the secondary policy has been paid).  Most hospitals and doctor's
offices' forms ask for information on secondary coverage.  If you have high
health expenses (as I do), it is worth paying for double coverage.
Gail Hollinger
Heritage Library
Anchorage Alaska

-----Original Message-----
From: <Kathy Rapp> [mailto:[log in to unmask]]
Sent: Monday, November 25, 2002 5:29 AM
To: [log in to unmask]
Subject: Re: Employee Benefits


HI all,

In a message dated 11/25/02 6:55:09 AM, [log in to unmask] writes:

<< 1. If employees have access to other insurance through a spouse, are they
allowed to carry insurance through the museum?

NO, unless the insurance covers other things, i.e.: dental, glasses...

It is illegal to submit he same claim to two different insurance companies.
If they wish to be dropped by the spouse's insurance to save money and just
be covered by yours or maybe yours is better and they can have spouse
covered, then so be it.


<<2. If they opt out of insurance, are they given a financial reimbursement
equal to the insurance benefit? If not, what's the reason? >>

Yes! They need some if not full reimbursement. That is part of their pay.
It
also helps cover insurance elsewhere, such as their spousal part.

Kathy.
OCR Specialist
Don't retype it, OCR it!
Taking the printed word and placing it into an editable format.
http://www.katscan-ocr.com

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