a) I am covered under Group Health insurance policy with my employer & have my wife as dependent. The policy covers dental expenses upto $2K per year.
b) My wife is also covered under a Group health insurance policy with her employer & a different service provider. Her policy does not cover dental care directly but has a healthcare savings account which can be used to reimburse Dental expenses
My wife requires a Dental visit. I have following questions -
1) Is it mandatory to file claim first with her insurance policy through her employer? Since dental is not covered, does it mean we just get the reimbursement done? Or is there a way we can directly apply for claim under my policy where she is dependent
2) Is it mandatory to inform service providers about the other coverage policies? What if I dont share details about my spouse's insurance policy to the Group health plan under my employer where she is dependent and apply directly for the claim?
b) My wife is also covered under a Group health insurance policy with her employer & a different service provider. Her policy does not cover dental care directly but has a healthcare savings account which can be used to reimburse Dental expenses
My wife requires a Dental visit. I have following questions -
1) Is it mandatory to file claim first with her insurance policy through her employer? Since dental is not covered, does it mean we just get the reimbursement done? Or is there a way we can directly apply for claim under my policy where she is dependent
2) Is it mandatory to inform service providers about the other coverage policies? What if I dont share details about my spouse's insurance policy to the Group health plan under my employer where she is dependent and apply directly for the claim?