FAQs:

Double Coverage

No, it's not necessary, but it can be very beneficial for those looking to increase their overall savings on out-of-pocket medical costs.

This depends on what plan you have. Many secondary plans can help you pay for expenses that the primary plan doesn't take into account. Be sure to check the information on your policies to know what to expect from each of them.

Yes. Depending on the situation, most dependents under the age of 26 may remain under their parents' health insurance.

A misconception is that, by having dual coverage, all medical costs will be fully covered in full, yet this is untrue. Dual coverage will help you save significantly on out-of-pocket costs, however, this does not guarantee that you will pay zero dollars in out-of-pocket costs, so you could still have personal out-of-pocket costs even with dual coverage.

This will depend on each insurance company. In some cases, you may be able to add someone else to your health insurance if:

  • They’re dependent and are included in your tax return.
  • They are a member of your household all year round.
  • They can't afford their own insurance.
  • They’re the biological father of one of your dependents and this person isn’t part of any other plan

Still, it's important that you check this with your insurance company.

 

Yes, it can happen for several reasons, including:

  • Claim codes don't match
  • Complaints were sent with incorrect billing information
  • Member ID is not valid
  • You were not eligible to receive benefits on the dates you used the services
  • Missing description of the claim
  • Among many others.

If this happens to you, contact your insurance provider, who will help you understand what may have happened and, if possible, fix it.

This depends on each person. For many, a primary policy is enough, however, secondary policies can help you have greater savings. While the cost of having two plans may seem a little daunting, it's important to remember that the benefits of additional coverage, and lower personal disbursement costs, can save you much more in the long run. The most important thing is that you take your needs into account.

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