Can Health Insurance Overlap?

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   Ted Ratliff

   Owner, SFS Associates,

   If you have more than one insurance plan, they will coordinate benefits.  You cannot get more than the actual claim.  There are some supplemental plans that pay in addition to any other insurance but these are not true Major Medical insurance.  Unless you are covered under a spouse group plan or Medicare, and the premium is very low it is usually not to your advantage to carry more than one health insurance plan.

   Answered on August 29, 2013

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