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March 12, 2013 | By

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Question by 1familyman: How does having 2 health insurances work?
I am divorced with 2 kids. I have health insurance on them and their mother was wanting to add the to hers. Is this good and will it take care of the total doctors bill if my insurance will cover 85% and hers will to.

Best answer:

Answer by spy_vs_spy_vs_spy
now each contract has an apportionment clause but in the old days you could collect twice. They apportion the charges unless one does not know about the other.

Know better? Leave your own answer in the comments!

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Comments (5)

  1. Kitty5

    I work for a health care office and usually one of your insurances is probably your primary and the other is your secondary so if your primary pays some of it your secondary picks up the remaining balance.

  2. slaton11

    Usually you file with your primary insurance (where you work) and they are the first to pay. Then you file with the secondary insurance.

  3. patsie s

    Hi can’t see the logic in having 2 health insurances definitely will not give total cover. The only one who is benefiting from this is the Health Insurance Provider.

  4. Chele

    One is considered primary the other secondary, what they pick up depends on the insurance company. My mother has 3 the last one rarely ever pays for anything, but on occasion the other 2 have declined or only paid small parts and the 3rd picked up the tab. They all have outlines of coverage and that determines what is paid and how much.

  5. emmalue

    Dual insurance on dependents usually works like this:

    If Mom and Dad live together, the parent with the earliest birthday in the year becomes primary. If Mom was born in January and Dad in March, Mom is primary.

    In the case of a divided household, the family court usually determines who is primary on the children. If Dad is primary, the initial claim goes to Dad’s insurance and once it pays – if there is a balance – the claim goes to the secondary.

    Here’s where it gets complicated. The secondary insurance company might pay whatever is left leaving you no out-of-pocket. However, there might be a “coordination of benefits” clause which would mean it would pay nothing.

    Before Mom pays extra to cover the kids, it would be good to ask her employer how the plan coordinates benefits.

    Depending on their ages, it might be a waste of money. If all they have are two cleanings a year and maybe a filling or two, it probably wouldn’t be cost-effective. However, if they need braces or expensive work done, two plans could save you lots of money.