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URL:  http://boards.fool.com/i-will-not-lie-to-blue-cross-but-i-expect-30350546.aspx

Subject:  Re: HSA plan? Date:  10/30/2012  6:29 PM
Author:  foo1bar Number:  116875 of 121430

I will not lie to Blue Cross, but I expect nothing from them as long as I have Kaiser. It isn't that they will "drop" me. Its that they don't coordinate benefits. They are not responsible for secondary coverage.
Depending on your birthday, it's possible that Blue Cross (Anthem if you're in my neck of the woods) is actually your primary, and Kaiser is secondary.

If you haven't talked to someone from Kaiser and someone from Blue Cross to confirm that things will work as you expect, IMO you REALLY should do so.

And I'd make sure the Kaiser person is someone that's familiar with the plan you're planning to buy - not just knows your current employer provided plan because they could be different.

Maybe it'll cost you 2 hours on hold (at least you can still do email etc), but it'll be better to know you're going to be OK than finding out you've got a bunch of paperwork and many more calls to them in July next year.
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