Is it possible to keep 2 separate insurances? Like 2 dental insurances? Then when I have one maxed out (say on orthodontia) just use the other one?
posted July 7th, 2014 at 4:04pm in Toddler
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- You can, but you need to present both to the office and let them hash it out. 7-7-2014 4:05pm
- But wouldn't that defeat the point of the advantage? 7-7-2014 4:06pm
- it doesn't work the way you're trying to make it work. 7-7-2014 4:07pm
- Then what is the advantage to having 2? 7-7-2014 4:07pm
- it isn't necessarily advantageous to you. it might be a colossal nuisance as the two companies bicker with each other trying to prove that the other should be covering things. 7-7-2014 4:08pm +1 like
- it wouldnt work like that. one is primary and covers what it covers according ot policy limits. then the other one kicks in and covers wht it covers. 7-7-2014 4:08pm
- Not at all how it works. Primary goes, then secondary covers what they cover less what your 1st covered usually 7-7-2014 4:09pm
- Can you answer my question about the braces? If I get 1500 per kid in braces covered, will the second one then kick in for their part of the 1500? 7-7-2014 4:11pm
- ^to get 3K coverage? 7-7-2014 4:11pm
- you'll have to read their fine print. ortho may be excepted out of secondary coverage. 7-7-2014 4:12pm
- ok I see what you are saying. 7-7-2014 4:12pm
- Not usually, the ortho is usually a lieftime max per person benefit 7-7-2014 4:16pm
- It's rare to get the full benefit of both, however it will cover most 7-7-2014 4:15pm
- Can you answer my question about the braces? If I get 1500 per kid in braces covered, will the second one then kick in for their part of the 1500? 7-7-2014 4:11pm
- My first one covers x, then submit to secondary and they cover more 7-7-2014 4:08pm
- it isn't necessarily advantageous to you. it might be a colossal nuisance as the two companies bicker with each other trying to prove that the other should be covering things. 7-7-2014 4:08pm +1 like
- Why not file claims with insurance 1 until the 1500 is reached then file claims with insurance 2? 7-7-2014 4:08pm
- It doesn't work that way with most policies. Most have yearly deductibles and it goes service by service. 7-7-2014 4:11pm
- My dental insurance has no deductible. 7-7-2014 4:12pm
- But the 2nd insurance might - all plans vary 7-7-2014 4:16pm
- Neither do. 7-7-2014 4:16pm
- So they each give you 1500 a year flat fee? 7-7-2014 4:17pm
- 1500 per person lifetime ortho benefit. 7-7-2014 4:17pm
- Sometimes 2nd will only give you 1500 minus what plan 1 gives. You need to ASK the insurer 7-7-2014 4:18pm
- 1500 per person lifetime ortho benefit. 7-7-2014 4:17pm
- So they each give you 1500 a year flat fee? 7-7-2014 4:17pm
- Neither do. 7-7-2014 4:16pm
- But the 2nd insurance might - all plans vary 7-7-2014 4:16pm
- My dental insurance has no deductible. 7-7-2014 4:12pm
- It doesn't work that way with most policies. Most have yearly deductibles and it goes service by service. 7-7-2014 4:11pm
- Then what is the advantage to having 2? 7-7-2014 4:07pm
- There is a process called coordination of benefits 7-7-2014 4:07pm
- this. one is primary 7-7-2014 4:08pm
- it doesn't work the way you're trying to make it work. 7-7-2014 4:07pm
- But wouldn't that defeat the point of the advantage? 7-7-2014 4:06pm
- We have 2 7-7-2014 4:05pm
- yes, but you have to designate one as primary. and the secondary one isnt going to give you a discount on premium. 7-7-2014 4:08pm
- I don't want a premium discount. I want the other one to take over after I have maxed the first. 7-7-2014 4:09pm
- That's what basically happens. 7-7-2014 4:10pm
- well you'll be overpaying, but thats your problem. get one through your work and then one through dh's work. let them both know you have the other one, and choose who pays...(more) 7-7-2014 4:10pm
- I would not be overpaying if I could get 12K in free orthodontia. 7-7-2014 4:11pm
- How many kids do you have?? 7-7-2014 4:18pm
- 3 7-7-2014 4:20pm
- ^sorry 9K. ; ) 7-7-2014 4:22pm
- 3 7-7-2014 4:20pm
- And orthodonture is billed over 24 months- you need the insurance for all the years 7-7-2014 4:20pm
- It doesn't have to be. We get a discount for paying in full. 7-7-2014 4:21pm
- It doesn't work that way with insurance, they pay out over 24 months 7-7-2014 4:21pm
- Well, neither of us are going anywhere. 7-7-2014 4:22pm
- I have to be honest with you, this seems like such an easy way to get 1500 of coverage for a few hundred dollars, there must be a hitch. Insurance companies arent in the business...(more) 7-7-2014 4:23pm
- I hear you. I will do more investigating. ; ) 7-7-2014 4:29pm
- It doesn't work that way with insurance, they pay out over 24 months 7-7-2014 4:21pm
- It doesn't have to be. We get a discount for paying in full. 7-7-2014 4:21pm
- How many kids do you have?? 7-7-2014 4:18pm
- I would not be overpaying if I could get 12K in free orthodontia. 7-7-2014 4:11pm
- Its not at all true - they use the birthday rule to decide whom has which as primary. 7-7-2014 4:10pm
- What is the birthday rule? 7-7-2014 4:10pm
- IF you have 2 plans for a family, yours covers you first, his covers him first, but your dcs primary plan is whomever's birthday is earlier in the year (I'm July, dh is May so his...(more) 7-7-2014 4:14pm
- Interesting. So they would be covered under dhs. That would be best anyway. 7-7-2014 4:15pm
- first under his , then yours billed as secondary after each visit 7-7-2014 4:17pm
- Interesting. So they would be covered under dhs. That would be best anyway. 7-7-2014 4:15pm
- IF you have 2 plans for a family, yours covers you first, his covers him first, but your dcs primary plan is whomever's birthday is earlier in the year (I'm July, dh is May so his...(more) 7-7-2014 4:14pm
- What is the birthday rule? 7-7-2014 4:10pm
- I don't want a premium discount. I want the other one to take over after I have maxed the first. 7-7-2014 4:09pm