If I own dental insurance underneath both my wife's and my own employer, is it possible for me to use both?
I have to have a few cavity filled and in incorporation, I need at least 2 crowns. I know I hold a max per calender year, but what I'm wondering is if both plans have a deductible, and both pay 50% towards a crown, once I unite both plan deductibles...will the cost of the crowns cancel each other out...goal both plan's will pay their respective 50%? I know I must find a provider that is surrounded by network for both plans as well...can anyone provide some warning?
Answers:
You can use one in conjunction with the other.
If your wife's is a better plan next whatever your plan doesn't pay her's will pickup to their max.
If yours pays 50% and hers pays 50% her's will not retribution anymore on the crown. Where it will come in handy is once you reach your max for the year hers should verbs to cover up to their max.
Here's an example: You need two crowns. Say they cost $1,200.00 each.
Your max is $1,100.00. Your's pays $600.00 for the first and $500.00 for the second (you've reach the yearly max). Her's will pay $100.00 for the second crown. If you want a cleaning or cavity later in the year her's will repay for that up to that max.
This is how it worked for me. I have Aetna and Metlife as secondary.
You might want to check near the provider or have the dentist do a pre-determination before starting work to be sure.
Related Questions:
Answers:
You can use one in conjunction with the other.
If your wife's is a better plan next whatever your plan doesn't pay her's will pickup to their max.
If yours pays 50% and hers pays 50% her's will not retribution anymore on the crown. Where it will come in handy is once you reach your max for the year hers should verbs to cover up to their max.
Here's an example: You need two crowns. Say they cost $1,200.00 each.
Your max is $1,100.00. Your's pays $600.00 for the first and $500.00 for the second (you've reach the yearly max). Her's will pay $100.00 for the second crown. If you want a cleaning or cavity later in the year her's will repay for that up to that max.
This is how it worked for me. I have Aetna and Metlife as secondary.
You might want to check near the provider or have the dentist do a pre-determination before starting work to be sure.
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