Can I use two different dental insurances?
I have Blue Cross Blue Shield and it covers dental as well as form, then I also have Delta Dental which is dental insurance with the sole purpose. Can I double up on insurance to save me some money?
Answers:
There's something call Coordination of Benefits - in which one insurance has to be determined to be the primary shipper. (You're often able to submit anything denied by the primary possessor to a secondary insurance, but most practices will not submit to secondary for you - it's your responsibilty.) If you recline to each plan and tell them that they're respectively your primary carrier when the Coordination of Benefits is requested, and they each payment the claim and find out about the other after the fact, not solely will you have to pay final the money, they can prosecute you for fraud.
sure you can do it.
and if you get caught, and there is a cost. I hope you are ready for it. the companies usually have policies for this. you should ask them.
It depends. Are they HMO or PPO? If both PPO or one PPO and one HMO, yes you can use them both. If both HMO however, it doesn't do you a bit of good.
I hold 3 insurances on my daughter for dental. Her dad has a PPO for her which covers most of it, and my HMO pays a bit more of what the PPO didn't. My 3rd insurance was free, but also an HMO so it doesn't discharge anything else.
If your cost for the insurance or very low (under $10 a month) for having the second insurance, you will probably let go some money.
See what each covers, what they each settle for say a filling, and you can see what you would squirrel away.
Also consider if you really NEED 2 insurances. I only did it because I am covering orthodontics on my daughter which would have cost $800 after the PPO remunerated it's share, but now only costing $100 next to the second coverage and I only pay $120 a year (or going on for $240 for the 2 years she will have braces) so I'm still saving give or take a few $450.00 total.
You can have as many insurances you want on anything. It is totally legalized, but the insurance companies must know about the other. You simply can not gain from a accident. For example if you seize your teeth punched out, and costs 10,000 dollars. There is a clause in your contract on how both insurance companies will pay for the 10,000 dollars.
you can enjoy dual coverage for dental procedures, However, your two plans will only coordinate UP TO the best of the two benefits. Dual coverage is NOT double coverage. This is a common misconception.. My counsel is - if you are paying for both plans - cancel the lesser of the two benefits and be covered solely on the best plan.
yes you can use as many as you want. Call each insurance company to see how they coordinate (pay) beside other insurances. Some insurance companies do not coordinate with any other insurance which means they will foot 1st no matter what. If that is the armour then you can file the claim beside the other insurance and have the check sent to you or to the dentist. Some insurance companies coordinate with others to foot up to 100% of the bill. Source(s): health claims processor 10yrs
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Answers:
There's something call Coordination of Benefits - in which one insurance has to be determined to be the primary shipper. (You're often able to submit anything denied by the primary possessor to a secondary insurance, but most practices will not submit to secondary for you - it's your responsibilty.) If you recline to each plan and tell them that they're respectively your primary carrier when the Coordination of Benefits is requested, and they each payment the claim and find out about the other after the fact, not solely will you have to pay final the money, they can prosecute you for fraud.
sure you can do it.
and if you get caught, and there is a cost. I hope you are ready for it. the companies usually have policies for this. you should ask them.
It depends. Are they HMO or PPO? If both PPO or one PPO and one HMO, yes you can use them both. If both HMO however, it doesn't do you a bit of good.
I hold 3 insurances on my daughter for dental. Her dad has a PPO for her which covers most of it, and my HMO pays a bit more of what the PPO didn't. My 3rd insurance was free, but also an HMO so it doesn't discharge anything else.
If your cost for the insurance or very low (under $10 a month) for having the second insurance, you will probably let go some money.
See what each covers, what they each settle for say a filling, and you can see what you would squirrel away.
Also consider if you really NEED 2 insurances. I only did it because I am covering orthodontics on my daughter which would have cost $800 after the PPO remunerated it's share, but now only costing $100 next to the second coverage and I only pay $120 a year (or going on for $240 for the 2 years she will have braces) so I'm still saving give or take a few $450.00 total.
You can have as many insurances you want on anything. It is totally legalized, but the insurance companies must know about the other. You simply can not gain from a accident. For example if you seize your teeth punched out, and costs 10,000 dollars. There is a clause in your contract on how both insurance companies will pay for the 10,000 dollars.
you can enjoy dual coverage for dental procedures, However, your two plans will only coordinate UP TO the best of the two benefits. Dual coverage is NOT double coverage. This is a common misconception.. My counsel is - if you are paying for both plans - cancel the lesser of the two benefits and be covered solely on the best plan.
yes you can use as many as you want. Call each insurance company to see how they coordinate (pay) beside other insurances. Some insurance companies do not coordinate with any other insurance which means they will foot 1st no matter what. If that is the armour then you can file the claim beside the other insurance and have the check sent to you or to the dentist. Some insurance companies coordinate with others to foot up to 100% of the bill. Source(s): health claims processor 10yrs
Related Questions: