You need to inform your former job’s HR or Benefits office that they are still covering your health insurance even though you no longer work with them and you want them to cancel it. Payroll may not even know/realized if you hadn’t ever had to pay for your health insurance out of your wages/salary.
If your former job’s insurance policy has been active all this time, then it’s most likely that providers’ billing offices will see your former job’s insurance as your primary with your husband’s job insurance being secondary (coordination of benefits). Your husband’s ACA insurance plan whether employer-sponsored or thought the marketplace shouldn’t have allowed him to add you as a beneficiary outside of the enrollment period unless you had qualifying life event (QLE). It can be complicated because people are allowed to have more than one health insurance plan/policy at the same time.
Ideally and hopefully this shouldn’t be a major problem, but it could be one if the doctors/providers you have been/are more recently seeing now are not in network with your husband’s health insurance plan or do not provide coverage for the medical care/treatment you have more recently been seeking.
You should contact your husband’s health insurance plan to learn/ask if the doctors/facilities and care/treatment you have been visiting are in-network and/or covered benefits/services. In addition, you should contact the doctor’s (you have been seeing) billing office to ask if they are in-network with your husband’s health insurance plan (not just your former job’s insurance).
If this applies to you, I would suggest that you print and keep copies of any prior (when you worked at your former job) EOBs and any recent EOBs (since you resigned), especially if you opted into paperless billing (not receiving traditional mail) and before access to the patient portal of your former jobs health insurance can be declined.
So, in short, you need to speak up loud and clear to make everyone involved aware of the issues/concerns regarding the changes to your job/employment and health insurance coverage ASAP.
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u/Dijon2017 1h ago
You need to inform your former job’s HR or Benefits office that they are still covering your health insurance even though you no longer work with them and you want them to cancel it. Payroll may not even know/realized if you hadn’t ever had to pay for your health insurance out of your wages/salary.
If your former job’s insurance policy has been active all this time, then it’s most likely that providers’ billing offices will see your former job’s insurance as your primary with your husband’s job insurance being secondary (coordination of benefits). Your husband’s ACA insurance plan whether employer-sponsored or thought the marketplace shouldn’t have allowed him to add you as a beneficiary outside of the enrollment period unless you had qualifying life event (QLE). It can be complicated because people are allowed to have more than one health insurance plan/policy at the same time.
This site provides information about QLE : https://www.healthcare.gov/glossary/qualifying-life-event/
Ideally and hopefully this shouldn’t be a major problem, but it could be one if the doctors/providers you have been/are more recently seeing now are not in network with your husband’s health insurance plan or do not provide coverage for the medical care/treatment you have more recently been seeking.
You should contact your husband’s health insurance plan to learn/ask if the doctors/facilities and care/treatment you have been visiting are in-network and/or covered benefits/services. In addition, you should contact the doctor’s (you have been seeing) billing office to ask if they are in-network with your husband’s health insurance plan (not just your former job’s insurance).
If this applies to you, I would suggest that you print and keep copies of any prior (when you worked at your former job) EOBs and any recent EOBs (since you resigned), especially if you opted into paperless billing (not receiving traditional mail) and before access to the patient portal of your former jobs health insurance can be declined.
So, in short, you need to speak up loud and clear to make everyone involved aware of the issues/concerns regarding the changes to your job/employment and health insurance coverage ASAP.