Coordination of Benefits

[changedname]

Yes. You should be covered except remember some plans cover differently eg eye test every year v every 24 months. It will also depend on the max covered by the plan. Eg my insurance covers 80% but only up to $3500 lifetime for fertility meds.

I find it really confusing too.

[oreos]

Two plans covering 80 and 20 will cover you IF:
1. You haven't maxed out your coverage for the year and,
2. Your dentist and/or other providers don't charge in excess of the fee guide.

I opted for an 80% coverage plan with my husband's job (even though I already have 80% on mine) because I incur a lot of dental expenses in a year. For example, I maxed out my $1,000 limit on dental coverage under my plan a couple months ago, but I'm still getting 80% coverage through my husband's plan since I haven't maxed it out, yet.

[heygrey]

we don't coordinate. my options are pitiful and cost $50/month. for the little we put out in co-pays with h's insurance I just keep that $600 myself and use it accordingly.

but h's insurance is really good so that sways my thinking.

[Deleted]

My dentist is always in excess of the fees allowed and I'd end up paying some OOP with an 80+20 coverage scheme. We've never had options, though, so I've never really had to make a decision.

[IrishBelle]

Assuming that you have roughly the same coverage through your separate plans and you plan has sufficient maximums for what you use, then it shouldn't be an issue. The HSA could make a difference too since it could cover the things you max out on or that you don't have coverage for.

If he drops to the lower coverage, could he increase it again if needed?

[rugbywife]

I think you are good but since DH and I have essentially identical plans I am not sure…but I feel like 80+20 should add 100%, lol.

[IrishBelle]

Oct 22, 2014 18:39:30 GMT -5 @vicmo said:

Oct 22, 2014 15:33:22 GMT -5 IrishBelle said:

Assuming that you have roughly the same coverage through your separate plans and you plan has sufficient maximums for what you use, then it shouldn't be an issue. The HSA could make a difference too since it could cover the things you max out on or that you don't have coverage for.

If he drops to the lower coverage, could he increase it again if needed?

He can change annually, although apparently he can only go up and down one step at a time (there's also a 0% and a 100% plan which we are unlikely to go for).

That's interesting. I've never seen a 0% option anywhere I've worked.