I (26/M/USA) have 2 health policies and I want to get my deviated septum fixed ASAP.
First policy (Golden Rule) is through my parents, but it expires Feb 22, 2022. It was prepaid in entirety and we probably will not be renewing it.
The other (Aetna) is through my job. My parents also work for the same company (company bought our fam business and employed us all, so we’ve got the Aetna plan as well).
Which insurance would I consider to be primary and secondary?
I’m already looking for in-network ENT specialists to consult me and book a procedure. When I do the consult, should I also request pretreatment estimates for each insurance? I’m afraid that if GoldenRule is my secondary, it will expire before I get to file the actual claim after Aetna.
Thank you all so much!
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