Duel Dental Coverage. How does it work?

My husband and I both work for the same company and both have Cigna dental coverage. I am on his plan and he is on mine. Does this mean I can use up my coverage for the year and then use his?


Does anyone know how this works?

Duel Dental Coverage. How does it work?
Your carrier is prime for you and his carrier is prime for him. That means that they will first bill your carrier and then his for the balance....and vice versa for him. There are, however, lots of clauses that limit or exclude coverage on the secondary plan. Each policy is different. It basically depends on how much money your employer was willing to spend on your insurance premiums. If it is major treatment I strongly suggest you have the doc's office preauthorize for you. Mind you, this doesn't guarantee they'll follow what they said (read the fine print) but you have a much better chance of knowing where you stand. Good luck. You're still better off than folks with only one crumby carrier.
Reply:It depends on your coverage. Your policy will be primary for you and his will be secondary for you and vice versa. However, if you have something called non-duplication of benefits, then generally the 2nd insurance will not "duplicate" benefits that would be covered by the 1st insurance. For example, assuming you both have the same coverage, if a procedure is covered at 80% and your co-pay is 20%, the 1st insurance will pay 80%. Because the 2nd one also covers the procedure at 80%, it will not pay anything because the 80% normally covered had been paid by the 1st insurance. The 2nd insurance will not just pay the remaining 20% of the procedure. However, if for example each coverage has $1000 max benefits, once the max has been reached on the 1st ins., then maybe the 2nd ins. will start to pay. Of course, you both work for the same company so sometimes the same insurance will not allow 2 exact coverage for one person.