Is it beneficial to hold dual dental insurance policies?
I'm going in for orthodontics, and my insurance only covers 2000 of the 5000 total. can i cover some of the ramianing costs by signing up for my wife's dental plan also? does snyone knwo how that works?
Answers:
If your wife's policy also covers orthodonture, you need to then look at the co-ordination of benefits clause on her policy. Sometimes they will pick up the entire go together after the primary insurance. More often than not, they will only pick up the set off up to their maximum benefit that they would have paid if they be primary.
You can have dual dental. Your plan is primary, wife's plan is secondary. The ortho will enjoy to submit to your plan first, then after your plan pays, submit to your wife's plan. It gets vastly confusing and you may have to chase the carriers for claim clearing.
The only style it might work for you is if you wife's dental plan pays a higher amount for orthodontics. Most policies will have a provision that disallows paying for anything explicitly covered on another plan. You cannot be paid by two insurance companies for the same service. Therefore you wouldn't receive any benefit from the second plan until the first be exhausted, and then only if the benefit be higher.
I do not think that it is additive. You obtain covered up to whichever covers more, but not the total of the two. For example, if one plan covers 60% and one covers 70%, they do not pay a combined total of 130%!
It is adjectives that Addie does not work in the insurance industry because that answer is misleading.
Lori S. is pretty-much right. There is more to it than that, depending on your policy. I would read both dental certificates (yours and your wife's) lower than 'coordination of benefits' section and that should answer your question as to how it is specifically handle in your instance.
There are too many variables within plans to be more specific than what Lori S. explained. Source(s): Insurance Professional - 9 years
Related Questions:
Answers:
If your wife's policy also covers orthodonture, you need to then look at the co-ordination of benefits clause on her policy. Sometimes they will pick up the entire go together after the primary insurance. More often than not, they will only pick up the set off up to their maximum benefit that they would have paid if they be primary.
You can have dual dental. Your plan is primary, wife's plan is secondary. The ortho will enjoy to submit to your plan first, then after your plan pays, submit to your wife's plan. It gets vastly confusing and you may have to chase the carriers for claim clearing.
The only style it might work for you is if you wife's dental plan pays a higher amount for orthodontics. Most policies will have a provision that disallows paying for anything explicitly covered on another plan. You cannot be paid by two insurance companies for the same service. Therefore you wouldn't receive any benefit from the second plan until the first be exhausted, and then only if the benefit be higher.
I do not think that it is additive. You obtain covered up to whichever covers more, but not the total of the two. For example, if one plan covers 60% and one covers 70%, they do not pay a combined total of 130%!
It is adjectives that Addie does not work in the insurance industry because that answer is misleading.
Lori S. is pretty-much right. There is more to it than that, depending on your policy. I would read both dental certificates (yours and your wife's) lower than 'coordination of benefits' section and that should answer your question as to how it is specifically handle in your instance.
There are too many variables within plans to be more specific than what Lori S. explained. Source(s): Insurance Professional - 9 years
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