What is the question
yes, they will treat it as if the primary was a different company. You pay two premiums. If they do not, contact the DOI.
Your secondary insurance has different PA criteria than your primary insurance. A PA means that your insurer will only cover a service under certain circumstances; company A may cover a service for 3 conditions and company B may only cover the same service for only 2 conditions. Your primary could pay and your secondary may not.
first you should obtain the explanantion of benefits from your primary. it should indicate what the write off amount is. if you're not sure, call the insurance company and ask them. then do the same with your secondary. the secondary insurance will consider the amount allowed by the primary and will usually base their benefits on that. if you are lucky, between the two, you should have little out of pocket expenses.
If both policies are with the same company, and if you or your employer pays the premiums on them, then yes, they both pay. That is actually common; quite often the husband's insurance through his employer is through the same insurance company the wife's job has.
vehemately you can .but of your own disadvantage because you will be required to pay pramuim to different insurance company but will only be compaseted the actual amounth you need so doing that will be of no value
If you sign up for insurance with your company, You have to indicate who is primary subscriber between yourself and wife. If both a wife and a husband sign up with the same company and both have stated they are primary, Your wasting your money. In the insurance world, secondary insurance was purchased because you want coverage for medical cost and pharmacy cost your primary insurance does not cover. Birthdays having nothing to do with who is first. Indicating on the insurance form as subscriber does.
The birthday rule will decide who's plan is primary or secondary.
many companies use the 'date of birth' rule. it doesn't go by year, just whose birthday comes sooner from Jan 1 to dec 31 would be primary. if it's the same day, many companies use the father's insurance as primary and the mother's as secondary. but call your insurance company to find out their particular practices.
Yes, you can be covered by multiple dental policies. There will be one insurance carrier as your primary insurance and the second insurance carrier will be your secondary insurance.
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Having the same insurance company twice, as a primary and secondary, means you are paying twice for the same insurance policy. They probably will not cover the same thing twice, or they may treat it as two different policies and may treat it that way. If they were two different policies, The primary would deal with any deductible and copay before fulfilling its contractual obligation and so would the secondary policy depending on the wording of the contract. Unless there is no deductible and copay, or if one policy covers the deductible/copy of the other, there will still be a balance you owe. There is also the situation where your medical provider will not accept or fully participate in your insurance policy, in which case you may owe the difference between the doctors bling amount and what was paid by the insurance(s).
yes, the insurance company assumes that everyone at the same address with a license will be driving, one will be primary but everyone will have to be listed. if not and they get in an accident, the insurance company has grounds for dismissal.