Can I bill two health insurance coverages if one does not have COB?

Question

I have two health insurance plans, one is an individual policy with no coordination of benefits provision, the other is a group policy which I got after having the individual policy. The group policy came as a result of a new job.

I know that with coordination of benefits one would be primary and the other would be secondary. However, the individual policy has no COB provision. In which case I think I can bill them to the full extent of my coverage for medical bills. And, I think I can bill my group policy for the full extent of my coverage. Which amounts to more than 100% coverage.

I actually got this information from a representive of the group policy, telling me to go ahead and bill both policies the full amount because the individual policy does not coordinate. She assured me that this was perfectly legal, but unusual.

I've seen a lot of talk on the web about dual coverage when there is COB, but what about dual coverage without COB?

Any information would be helpful.

Answer 1

There is no absolutely right answer for your question.Nonetheless,explorer the information here might give you some ideas.HOpe it helps.http://health-insurance.expert-tip.info/...

Answer 2

Most companies don't allow two policies and having two policies rarely makes sense.  But, so long as each company knows about the other company you're not breaking the law if you're disclosing.  It may be a mess which is why carrying two isn't usually done.

Answer 3

You don't actually bill the insurance carrier - your doctor or hospital does. For them to bill twice for one procedure or service is fraud. Choose the policy with the better coverage and ask your provider to bill them first.  If this is a large claim, that insurance company will ask you if you have any other coverage. If there are state laws determining which carrier is primary (there probably are) that company will know about them and act accordingly.

Don

http://mtnhealthinsurance.com

Answer 4

double dipping is not allowed.

just wondering - why carry two policies?