Is it legal to use two types of insurance?

Question

I'm an 18yr old college student and i'm being offered insurance at my new job, and i have insurance from my dad. Both of the dental plans pay 50% of the total cost. If i get the insurance at my job, could I use both and get 100% of the costs paid?

Answer 1

Multiple health insurance policies based on reimbursement do not multiply your benefit. The two insurance companies pay the claim in the same ratio as that of the insurance values of the two policies.

Answer 2

Coordination of benefits between 2 policies don't work that way. Usually, if there are two, if one pays 50% and the other pays 50%, you would only get a total benefit of 50%. They will only pick up a balance up to the maximum benefit that one would have paid. If one had an 80% benefit, then one would pay 50% and the other would pay an additional 30% to make up what they normally would have paid if there were only one policy.

Answer 3

Its dangerous, but in your situation it could work since the amounts are 50-50. If you are double covered, one company will say that the other company should pay (or pay first for that matter, so they get the lower payment), and neither will end up paying leaving you with the bill

My opinion, its not worth the potential aggravation.