If a member is covered by more than one vision plan, (whether it be another carrier or another VSP plan), and has duplicate coverage, they may: Receive two separate sets of service.
Choose to have both plans pay for one set of services.
In this case the member is “coordinating benefits.”
Can you have 2 insurances?
Read on to learn about primary and secondary insurance. Yes. You can have two health insurance plans! Having two health insurance plans is perfectly legal and many people have two under certain circumstances.
Can I add vision insurance?
The Short Answer: No! You can buy dental or vision insurance year round. That being said, their may be certain dental or vision plans that you can only buy during open enrollment, especially if you are adding or bundling them with your health plan.
Do you still pay a copay if you have 2 insurances?
Normally patients that come in with 2 insurances should not be charged a copay. In most cases their secondary policy will pick up the copay left from the primary insurance. We recommend you bill those particular patients after both insurances process the claim for any remaining copay.
How do you determine which insurance is primary?
The birthday rule states the primary payer is determined by the parent whose birthday falls first within the calendar year. In the event that both parents have the same birthday, the health insurance plan that has provided coverage longer is the primary payer.