Is It Illegal To Have Multiple Health Insurance Policies?

Is it OK to have two health insurance policies?


You can have two health insurance plans!

Having two health insurance plans is perfectly legal and many people have two under certain circumstances.

Can you have more than one health insurance plan?

Not exactly, but having two or more health insurance plans does help cover any health insurance expenses better through the coordination of benefits provision. The most common example is when two spouses or domestic partners have health insurance and both of their employers provide a health insurance plan.

Can you have multiple insurance policies?

It’s totally possible — and legal — to have multiple life insurance policies. But it’s also possible to have life insurance policies beyond just those two, and there many reasons you may choose to spread your coverage out like that. There are reasons may you choose not to, as well.

Can you have overlapping health insurance?

It is okay to have multiple health insurance policies, but you must list them when asked to do so by each company. Commonly, people have separate policies for primary care, dental care, and prescription coverage, along with any supplemental plans that fit their needs.

Can you have two different car insurance policies?

It is legal to have two car insurance policies on the same vehicle. However, one insurance company will not insure the same car twice. You will have to purchase a second insurance policy with a different insurance carrier and pay both bills.

Can you have two vision plans?

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 3 health insurance plans?

Individuals can buy multiple health insurance plans from different service providers. If the sum insured is greater than the claim amount, the individual can file a claim with either of the health insurance companies. For pre-existing illness, both the insurance service providers will make payments as per their norms.

What if I have two health insurance plans?

Coordination of benefits rules: Who pays first when you have two group health plans?

  • Double coverage often means you’re paying for redundant coverage.
  • You must make your claim with your “primary” plan first.
  • If both plans have deductibles, you’ll have to pay both before coverage kicks in.

How does a secondary insurance work?

Secondary health insurance works by paying you directly. Your primary insurance provider pays your healthcare provider directly for medical expenses. But with secondary health coverage, cash benefits get paid directly to you if you experience a qualifying event. These benefits can be used for a variety of expenses.