If a dependent has insurance under their parents but do not feel they can tell their parents that they went to the doctor for the sake of privacy, would it be ok if they applied for their own insurance? Can they be under two insurance plans legally? Would this influence the parent’s taxes?
For The Sake Of Privacy, Can A Dependent Apply For A 2nd Health Insurance?
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However, a standard part of any insurance application is a section that asks you if you will have any other health insurance coverage in effect at the same time that you will have the policy you are applying for. This is so the insurance carrier you are applying with can coordinate their coverage with the other insurance plan you are covered under. A person can be double covered (increasingly rare these days) but you cannot make a profit from being insured which would technically be feasible if you filed the same claim independently with each carrier and each insurance carrier was unaware of the other's coverage of the claim.
To not answer this question honestly would be to engage in fraud, which could result in claim denial and possible civil liability if the double coverage situation was uncovered. The odds are pretty good that as the claim went through the national data bases that the double coverage situation would be uncovered, it might take some time but it would probably eventually surface.
Answering the question honestly, will result in your insurance carrier initiating a coordination of benefits process with your parents insurance carrier in the event of a claim. This would almost certainly result in them receiving some notification from their insurance carrier of this coordination of benefits activity and them becoming aware of the situation.
While I understand everyone's desire for privacy, as a parent myself, I would certainly want to be aware of any health care that my dependent children are receiving, especially when the parent to some extent or another is going to be paying part of the bill either as part of their basic premiums and quite likely as part of deductible and/or copay financial exposure. In essence hiding a separate insurance coverage and medical care from your parents will be very difficult to do and presents you with ethical issues you must be prepared to deal with.
If you want total privacy from your parents in these matters then you must be prepared to tell your parents you no longer want to be covered as a dependent and purchase your own coverage for which you are financially responsible.