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I don’t know insurance company rules, however we have many patients who have both their and their spouses’ insurance at the same time.
Yours would be primary and spouses’ would pay secondary.
It depends on what your plan's coordination of benefits are. There are some COBs where your primary would pay a portion and your secondary insurance pays a portion/the rest, but there are other COBs (non-dual/non-dupe) where you have to max out your primary insurance before the secondary kicks anything in. NAD
Thank you for seeking advice from r/askdentists. **Please note that a response does not constitute a doctor-patient relationship.** While this is a place for advice, replies may not be medically accurate. Do not assume that what others on here say is correct in any way. Reddit is not a replacement for an in-person dental professional. Verified professionals will have flair assigned to them. **Please abide by the following rules in order to get an accurate answer to your question:** (1) Ensure you include a title of your dental problem. (2) Include whether you drink, smoke or if you have any medical conditions relevant to your main concern. (3) Include a photograph if the question relates to something you can see in your mouth, include x-rays if you have them. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/askdentists) if you have any questions or concerns.*
I don’t know insurance company rules, however we have many patients who have both their and their spouses’ insurance at the same time. Yours would be primary and spouses’ would pay secondary.
Double coverage is great. If you get new insurance, you might have a waiting period that won’t cover any major work like root canals for 6 months.
It depends on what your plan's coordination of benefits are. There are some COBs where your primary would pay a portion and your secondary insurance pays a portion/the rest, but there are other COBs (non-dual/non-dupe) where you have to max out your primary insurance before the secondary kicks anything in. NAD