I don't think anyone is suggesting submitting the same claim to two companies. In some circumstances, it's advantageous to have one policy covering one person (and offspring, if any) and a separate policy covering the spouse. Neither of the two main insurees would be covered under the other's policy and no double dipping possible. 11/25/02 7:28:35 AM, "<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 > >========================================================= >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). > Laboratory for Environmental Biology, Centennial Museum University of Texas at El Paso, El Paso, TX 79968-0915 phone (915)747-6985; fax (915)747-5808; [log in to unmask] http://www.utep.edu/leb http://nasa.utep.edu/chih/chihdes.htm http://www.utep.edu/museum http://spark.nasa.utep.edu/~gardens/ ========================================================= 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).