How Does It Work When You Have Two Health Insurance Policies?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Usually the two policy's would coordinate benefits, meaning they both would pay a percentage.  You cannot get more than the actual charges.  It really doesn't make since to carry two policies.  There are some policies designed to pay in addition to health insurance but these are not true Major Medical, they are called indemnity plans.  They help pay the expenses not covered by your health insurance such as deductibles, copay's, and loss of time from work.
    Answered on May 14, 2013
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