does having two health insurance cover me more?

Question

they are alittle diffent

Answer 1

Yes, having two health insurance policies does cover you more. I'm assuming that you're not talking about actually purchasing two policies, as stated above, but rather having a policy through your work and your husband's??
First, be sure that you do report the dual coverage to each company.
It is NOT ILLEGAL to be covered by two health insurance policies.
Example of how 2 policies work:
You go to the dentist for a filling.
Your dentist charges $170
Your primary insurance will only pay $120 for a filling.
Your second insurance will then pick up (after deductibles & co-pays) and pay the remaining balance.
Works the same way in a regular doctor's office.
Just be sure that you're not paying so much that the extra insurance actually costs you money.

Answer 2

Not a guarantee.

What can happen is the secondary insurance can pick up what the primary plan denies. For instance, if the primary plan denies routine care - like checkups - the secondary might cover it, if it's a regularly covered benefit. Sometimes, the secondary plan will reimburse you for copays you pay on the primary plan.

However, it has to be clear which plan is primary and which is secondary - otherwise, neither of them will cover anything. They'll be too busy pointing fingers at each other and saying "That one is primary" and it'll be just a big headache all the way around. If you and your spouse are both on each other's plans, then whomever's birthday comes first in the year, regardless of who is older, holds the primary plan. (If your birthday is March and your partner's is April, your plan is primary.) This is the birthday rule that almost all plans use - it's a way to discourage the "pick and choose" way that people try to use to use the "better" plan for most things.

Answer 3

Having two health insurance policies should NEVER be necessary!! You can't collect twice for anything as this is considered fraud. Even if an illness is covered by both they will institute what is called coordination of benefits, & each company will pay a proportional cost of the expense.

If something is covered by one policy & not the other, you would be better off to keep looking, or seek professional advice from an agent to find a policy to suit your needs.

For instance if you don't need maternity coverage, don't buy a policy which covers it, you're paying for something you don't want.

If you are young & reasonably healthy, check into having a deductible of at least $500 annually, it will make the coverage more affordable, & the $500 is cumulative for the year.....not per incident.

An agent will be able to offer choices & explain benefits to you, that's our job, & there's no charge for it, we earn a commission from the company. You may find something a little cheaper on line without an agent, but be careful....you get what you pay for!!

Answer 4

Two is better than one if you can get everything on one policy. Just make sure that between the two of them, all your bases are covered.

Answer 5

one should cover what the other one wont cover