Can i have multiple insurance?

If i had two sets of dental insurance can i use them at the same time for the same bill?
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This is perfectly legal. Your dentist will submit the claim to your primary insurer; once your primary processes the claim, your dentist will submit the claim with the primary insurer's EOB to the secondary insurer. Please note, unless your dentist is a "participating provider" (has a contract with your insurance companies), you may have to file one or both claims yourself. Before you go to the expense of purchasing secondary insurance, however, it's vital that you read the "Coordination of Benefits" (COB) section in BOTH policies. This is important because: 1) You must have a clear understanding of which policy is primary. If you're the primary insured under both, typically the policy purchased first is primary. However, this is NOT always the case. Better safe than sorry. 2) There may be a clause in the secondary insurer's COB section that says if your primary paid as much or more than the secondary would have paid if it was primary, then the secondary will pay NOTHING. If this is the case, it makes little sense to purchase the secondary policy, since you'll receive nothing from it. There are exceptions, though. If your primary doesn't pay for certain expensive services, but the secondary does, it may be worth having. 3) Check the COB section of the secondary's policy to ensure it covers any co-pay or co-insurance you have under your primary. It should state this one way or the other. I hope this helps.
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