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| *Loan,banking and credit>>>dental insurance |
Can an individual have more than one dental insurance policy to help pay for dental work? |
Can an individual have more than one dental insurance policy to help pay for dental work? Yes, you can, but it usually doesn't help. Many times, each plan will state "we pay only after other insurance pays", leaving you with two plans that wait for the other to pay first. If you have dental work that needs to be done and costs alot out of pocket, look at signing up for a "prepaid medical savings" account, where you can deposit money from your pay on a pre-tax basis to pay for this. That way, at least you don't pay income tax on that savings. The downside is, any money you don't use, you lose at the end of the year. Yes, you will have to pay the deductable on each plan, then they two pans split the cost. Or at least what the plan says they pay for certain procedures. No. When one finds out about the other then they will just pay 1/2 of what the original cost is anyway. You can't have two insurances. The question is asked on the application and if you lie, then the policy is invalid anyway. Sure , but the ones you buy yourself usually aren't worth your premium. If you have a policy through your work and your spouse has apolicy, the only thing you have to ask before buying is if the policy is a non duplicating policy. What that means is- if your first insurance pays 10 on a procedure, and the second one would have paid 10, you get nothing because the 1 st policy already paid it. |
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