This has not been my personal experience, but please
understand that having more than one insurance source
can be problematic.

It is not illegal to have more than one insurance
source.  The problem stems when each wants to defer to
the other as the primary provider.

What happens when you have more than one source is
that one will pay it's part, and the other will pay
it's part.  It is illegal to collect more than what
you owe, but it is not illegal to cover a greater
portion than what one insurance company alone will
cover.

Sometimes, however, both insurance companies volley
your expenses back and forth at each other telling you
it's the other company's responsibility to foot the
bill.


Insurance is not cheap.  It either costs you or it
costs your employer.  These days, more of it costs the
employee because medical costs, in general, are on the
rise.  A lot of companies are pushing the cost of
insurance back on its employees.

So you may want to be sure that paying for dual
coverage is to your advantage before you sign on.

By the same token, if you choose not to take the
medical insurance (if your company allows you to do so
because not all companies allow you to waive
enrollment--lots of reasons for that), you will not
generally get the dollars they would have expended for
that unless you have contractual leveraging power or
you have a menu of benefits options to which these
dollars could be applied (i.e., the dollars targeted
for medical are applied for vision, dental, mental
health, long/short-term disability, accidental death
and dismemberment, etc.).





--- "<Kathy Rapp>" <[log in to unmask]> wrote:
> 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
>



=====
Indigo Nights
[log in to unmask]

Looking for a Job?  Try Got Links?, Your One-Stop Portal
http://victorian.fortunecity.com/stanmer/414

__________________________________________________
Do you Yahoo!?
Yahoo! Mail Plus - Powerful. Affordable. Sign up now.
http://mailplus.yahoo.com

=========================================================
Important Subscriber Information:

The Museum-L FAQ file is located at http://www.finalchapter.com/museum-l-faq/ . You may obtain detailed information about the listserv commands by sending a one line e-mail message to [log in to unmask] . The body of the message should read "help" (without the quotes).

If you decide to leave Museum-L, please send a one line e-mail message to [log in to unmask] . The body of the message should read "Signoff Museum-L" (without the quotes).