i want to know what the benefits are of having 2 health insurance? i have nmever gotten insurance covergae frommy work since my husband has a really good health insurance from his work. if i have 2 insurance do i still have to pay copays? with dental coverage for instance, if the primary insurance (the one from my husband) pays 80 percent of the cost, will my second insurance cover the remaining amount? what good will having 2 health insurance do for me. is it even woth getting two?? thanks so much for any input/ information..
2007-05-08 18:42:52 · 4 answers · asked by ettezusyb 1 in Health ➔ General Health Care ➔ Other - General Health Care
Generally, there is no beneficial result from having 2 different insurance coverages for health. This is why: most health insurance companies will not pay what is covered by another insurance company. Most of the time, they will share paying 50-50, but you end up still paying your copay and deductible.
The exception is if you have Medicare coverage. By having additional insurance (called medigap insurance) the latter insurance will take care of the 20% that medicare does not cover.
2007-05-08 20:24:12 · answer #1 · answered by cmira4 4 · 0⤊ 0⤋
You should only have to pay one co-pay and the other one picks up what the other doesn't pay but the first one probably won't pay as well since you have two insurances, usually if you were offered the second insurance you have to take it and if it was just available but not offered or required to take then you could probably just drop it,but you do have to let the first insurance know about the second and so on.
2007-05-09 04:29:12 · answer #2 · answered by Sarah A 3 · 0⤊ 0⤋
If you have (2) health insurance providers what the primary doesn't cover the secondary should mine does in the rx, hospital and dental and vision. Yours should do the same but if it is not working out your hr should let you cancel if you provide proof that you have insurance with your husband. My insurance gave me that option but I had lots of dental work and the secondary came in very handy
2007-05-08 18:48:43 · answer #3 · answered by cece d 2 · 1⤊ 0⤋
THE REALLY GOOD THING ABOUT IS THAT WHATEVER IS LEFT TO PAY BY YOU IS PAID BY THE SECOND ONE.
THIS IS A VERY NICE FEATURE.
2007-05-08 18:58:55 · answer #4 · answered by Dr. Albert, DDS, (USA) 7 · 0⤊ 0⤋