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 ========================================================= 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). ========================================================= 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).