i want to know what the benefits are of having 2 health insurance? i have nmever gotten insurance covergae frommy work since my husband has a really good health insurance from his work. if i have 2 insurance do i still have to pay copays? with dental coverage for instance, if the primary insurance (the one from my husband) pays 80 percent of the cost, will my second insurance cover the remaining amount? what good will having 2 health insurance do for me. is it even woth getting two?? thanks so much for any input/ information..
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Generally, there is no beneficial result from having 2 different insurance coverages for health. This is why: most health insurance companies will not pay what is covered by another insurance company. Most of the time, they will share paying 50-50, but you end up still paying your copay and deductible. The exception is if you have Medicare coverage. By having additional insurance (called medigap insurance) the latter insurance will take care of the 20% that medicare does not cover.
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