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Do any individual carriers allow dual coverage? I have a client who is going to be doing contract work with federal benefits 6 months per year but wants to maintain his individual (very high deductible) policy so that he doesn't have to worry about qualifying for coverage should his health status change. So far it looks like no body wants to take that on, it seems like they would want to share the risk and coordinate benefits? I know that there may be a legal issue here - but from the way it is worded in agent sales guides it just looks like it is a company decision.
Of course, I haven't had any clients even thought about keeping coverage if someone else was going to pay for it.
Of course, I haven't had any clients even thought about keeping coverage if someone else was going to pay for it.