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 be on two insurance plans?
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.
How does it work if you have two health insurance plans?
Double coverage often means you’re paying for redundant coverage. You must make your claim with your “primary” plan first. The other plan can pick up the tab for anything not covered, but it won’t pay anything toward the primary plan’s deductible. You don’t get to choose which insurer will pay a certain claim.
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.