*Loan,banking and credit>>>dental insurance

Can one person have two dental insurances both being united concordia and use both of them?

My daughter has united concordia insurance with her step father and real father. Can they both be used twords her braces?

The above answers are good and I would only add this:

Since the relationship is father and step-father, you will need to know which plan is primary and which is secondary. If it were a simple "mom & dad" arrangement, the person with the earlier birthday in the year would be primary.

But in this non-traditional family other factors come into consideration, such as family court orders.

Once you find out who is primary, ask about the secondary's "coordination of benefits". They should be either "standard/full" or "non-duplicaton".

Since both plans are with the same company, they shold be able to explain everything to you completely. It's a tricky situation, so make sure you know everything before you start.

The very best way would be to ask your dentist or orthodontist to pre-authorize the treatment. It takes about 30 to 45 days, but at least you would know what the braces will end up costing YOU.

it doesn't hurt to try - it may be possible to have one pay as a primary and one to cover the co-pay as a supplemental insurance - the billing dept. at the dental office should help you
"Leo" is right. You will have to call the company or your benefits coordinator to find out their processing policy. SOMETIMES, even though many feel that this is illegal (including ME0, a company will pay based on the "Benefits less benefits" clause. This means, if both policy say that they pay 100% (for instance) and the first one pays 100%, the second one (or the second policy from the same company) will say, "Look. You already got 100% coverage, so we don't owe you any more coverage." That's just something else to look into when you call and ask someone who can give you a specific answer for your coverage.
Probably not.

It would have to be used as a primary and secondary. UCI #1 would be the primary with UCI #2 as the secondary. UCI #2 would pay any thing that UCI #1 didn't pick up as long as it wasn't above their fee schedule. That would never happen as they are operating from the same fee schedule.

As an example, we'll say braces cost $100 a month. UCI pays the orthodontist based on a fee schedule they have contracted. Let's say it's $75. UCI #1 will pay $75, then send the Remit/Explaination of Benefits to the orthodontist.

The orthodontist would have to bill UCI #2 as the secondary. They *have* to include the EOB with the claim so UCI #2 can see how much UCI #1 paid. UCI #2 will see that the orthodontist has been paid at his contracted amount and will not pay above that.

If an orthodontist bills both UCI #1 and UCI #2 as primary insurance, he/she is committing insurance fraud. The insurance company *will* catch on. Chances are they will pretty quickly because it's the same company. Any dentist would be a fool to try it. They can be thrown in jail, have their license pulled, not allowed to accept insurance/Medicaid.
Me. I work for a dental insurance company.
They should both cover the braces. I would call the insurance company to make sure. I would think that they do because she is under both insurnace.