How does payment work when combining two health insurance policies?

Question

Someone please tell me if my calculated assumptions are correct. My insurance (primary) covers 70% with no deductible. My husband's insurance covers 90% after a $150/yr deductible.

Which scenario, if any, is correct?

A) The claim is $300. The primary insurance pays $210 (70%). That covers both the deductible and the 10% I'm responsible for with the secondary insurance, so the secondary insurance pays the balance of the claim, and I pay nothing.

B) The claim is $300. The primary insurance pays $210 (70%), leaving a balance of $90. I pay the $90 out of my own pocket and it is considered a portion of my yearly deductible for the secondary insurance.

Or am I completely off?

PS - These are dental plans.

Thank you!

Answer 1

You may try to google it,here has some direct resource that might be helpful.http://health-insurance.expert-tip.info/...

Answer 2

Probably B

But you have to see how the secondary policy reads as far as coordination of benefits.

Answer 3

You CAN be completely off.  Most policies have a section in them, which will describe how it pays, if more than one policy applies to the situation.  

Most likely, is going to be scenario B, but there's a third possibility - or even more.  Policy A, the primary policy, could pay 70% of HALF the bill - or $105.  Then, the remaining half, $150, is at your deductible, so the secondary doesn't pay anything.

It's pretty unusual to have two plans, where you actually end up paying NOTHING out of pocket.