Having had two different insurances under the birthday rule it was great and we never paid anything. However, it was quite a challenge many times. I had to often fight the secondary for payment. Some providers won’t bill a secondary. Sometimes I had to battle the billing department from the provider because the secondary contract was less than the primary and then the provider would try to balance bill me. It was a battle. Since I work in a health field and understand coding, billing and insurance I was able to do it but I often wondered how people who didn’t understand it would do it. Since it’s not going cost you anything it’s probably wouldn’t hurt to do it, that’s what we did with our first child (his employer insurance was primary) but it wasn’t always easy.
Also, if he chooses a high deductible plan with HSA I don’t think he can carry any other insurance so you would need to check on that as well.
2 Likes