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miss | Can i have multiple insurance? |
If i had two sets of dental insurance can i use them at the same time for the same bill?
Additional Details
Just so the bill is paid and i don't have to pay for a thing. |
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Suzanne: YPA
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This is perfectly legal. Your dentist will submit the claim to your primary insurer; once your primary processes the claim, your dentist will submit the claim with the primary insurer's EOB to the secondary insurer. Please note, unless your dentist is a "participating provider" (has a contract with your insurance companies), you may have to file one or both claims yourself.
Before you go to the expense of purchasing secondary insurance, however, it's vital that you read the "Coordination of Benefits" (COB) section in BOTH policies. This is important because:
1) You must have a clear understanding of which policy is primary. If you're the primary insured under both, typically the policy purchased first is primary. However, this is NOT always the case. Better safe than sorry.
2) There may be a clause in the secondary insurer's COB section that says if your primary paid as much or more than the secondary would have paid if it was primary, then the secondary will pay NOTHING. If this is the case, it makes little sense to purchase the secondary policy, since you'll receive nothing from it. There are exceptions, though. If your primary doesn't pay for certain expensive services, but the secondary does, it may be worth having.
3) Check the COB section of the secondary's policy to ensure it covers any co-pay or co-insurance you have under your primary. It should state this one way or the other.
I hope this helps. |
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John Stamos
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Maybe, but only up to the limits of the policies.
I don't think you could make money off the dental visit by getting #1 to pay 75% of the cost and getting #2 to pay 75% more... |
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Judy1
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The second one would probably pay at least part of what the first one didn't pay. You wouldn't be able to get money back out of the deal, by having them both pay for the same fees. |
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mbrcatz
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Sure you can - but it doesn't work that way, that you don't have to pay a thing - they both have deductibles that will have to be met, you will ALWAYS have to pay the first XYZ amount. Plus, private dental plans are EXPENSIVE, and usually cost more than they pay out, so buying two isn't going to work.
Just run the numbers, and you'll see. |
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oxyman Re-Loaded
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no they wouldn't pay up |
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