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标 题: Re: 请教一下： 怀孕保险

发信人: honeybee11 (honeybee11), 信区: NextGeneration
标  题: Re: 请教一下： 怀孕保险
发信站: BBS 未名空间站 (Tue Jun  3 20:51:07 2014, 美东)

按我的经验是一人可以用两个保险。primary的必须是自己工作或者学校的，secondary
才是husband或者其他的保险。生产等费用是用primary付完后，剩下的由secondary付
，最后剩下的才是自己付。所以有些人两个保险后自己就不用花钱了。
当然如果你老婆取消自己学校的保险，那primary就是你公司买的保险了。

【 在 toyzhang ()() 的大作中提到: 】
: 老婆还在学校读书，有一份学校的保险
: 我工作，公司买的保险应该比学校的保险要好
: 想问一下：
: 能不能我把我老婆加到我的保险里来，将来怀孕生孩子，不用学校的保险，而用我公司
: 的保险？
: 一个人能不能有两份保险？
: 非常感谢！

这位mm说的是对的
但是楼主你需要做的是仔细比较你们两个人的保险以及要交的保费，有两份保险未必比
一份保险好，单就benefit而言，如果你的保险很好你老婆的保险很差，基本就是好的
那个在起作用，可以把差的那个不要了。你可能觉得有个差的无所谓，但是医生医院需
要把帐单送到两个保险公司，你可能还需要把primary保险公司的EOB发给secondary才
能拿到secondary的benefit，这中间常常会有很多问题，当然最后该付的他们都会付，
就是麻烦很多，没有必要。我能想到的唯一好处就是有两个保险能拿两个奶泵，但拿第
二个奶泵估计也很麻烦，未必行得通。但是如果你们保险差不了太多，可能还是有互补
的功效。但是这样你们要交两份保费，你自己算算是不是划算。总之只留一份保险会省
掉很多麻烦，经济上的利益就要你自己计算好了。
而且所有这些都得在open enrollment的时候改

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