If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary.
The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary.
Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
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Primary and Secondary Coverage It may depend on your local regulations but typically which policy is primary is dictated by law and by the terms of your insuring contracts. The default is as follows. Exact Same coverages on both policies / Duplicate coverage The policy with the earliest effe…ctive date is Primary unless the second policy was intended to replace the first. Policies with different coverages. The Policy which has the broadest coverage will be considered primary. ___________________________________________________________ Designating Primary and Secondary Insurance Coverage Here are opinions and answers from Wiki s Contributors: . Since it was court ordered for their mother to provide health insurance, I believe that that insurance would be considered primary...yours would be secondary. I had a similar problem before and a few people told me the same...so sorry their mother's health insurance would become their primary coverage. . Would your ex-wife be willing to pay for the kids' coverage directly to your insurance company? By paying directly to the company, this avoids "power plays," and she might not feel as resentful about the situation. Plus, you could let her know that you would pick up a rider policy that she can use when she has the kids. That way, you both have 100% coverage on your children. If the insurance is paid through your employer, talk to your lawyer first and see what creative options he/she's seen done in these type of cases. If you're going to pay for insurance regardless of her converage, maybe she can pay you a slightly higher child support payment (assuming she has to make one) and you would then be responsible for insurance as long as you are capable of working. In my personal experience, all it takes is an addendum page drawn up by your lawyer, and then submitted to both her and the courts. The courts will accept almost any agreement within reason as long as it is beneficial for all parties including and especially the children. I wouldn't give up on this especially if both of you are making insurance payments. If your ex-wife is able to speak coherently to you at all, you should be able to resolve this by using the reasoning that you are trying to get the most coverage for the children while maintaining current, established medical relationships with their medical personnel, namely their pediatricians and their staffs. If she can understand that a divorce is hard enough without adding one more change, she will be willing to work something out especially if you are willing to pay for insurance regardless of what she does. That shows her that you are serious about this and that it's not a power play. Good luck to you. I know how hard divorce can be on everyone. Luckily with time, it does get better and easier. . If you are married, both have medical insurance and have children, you would follow the "birthday rule". The parent with the birthday that falls earliest in the calender year (no matter what the birthyear is) would be the primary insurance. For example. Mrs. Smith was born May 3, 1945 and has Blue Cross that she has carried for 15 years. Mr. Smith was born June 10, 1939 and has had Aetna for 20 years. The primary insurance would be Mrs. Smith's policy as she was born on May 3rd which comes before June 10th. If both parents have the same birthday (it does happen), then you defer to the policy that has been in place the longest. So, if Mr. And Mrs. Smith had the same birthday month and day, then Mr. Smith who has had insurance for 5 more years than Mrs. Smith, would have the primary insurance policy. . The birthday rule above does exist, but court orders supercede the birthday rule. Only use the birthday rule if there is not a court order involved, like a current husband and wife both cover their children under their employer's insurance. The idea about dropping one of the insurances and just having her pay the cost is a good one. Most court orders just say who has to pay for the insurance, not how it is provided. . No. Here's the rules from Delta Dental's Web site: What is dual coverage? If you're fortunate enough to be covered by two dental plans, you have what is called dual coverage. Dual coverage doesn't mean that your benefits are doubled. What it does mean is that you will likely enjoy lower out-of-pocket costs for your dental care. Dual coverage works the same way whether you are covered by two Delta Dental plans or by Delta and another carrier. Delta Dental simply works with the other dental carrier to coordinate your benefits. Who is the primary carrier? The first or primary carrier is the one that covers you as a primary enrollee (e.g., your employer rather than your spouse's employer). If you have two jobs, the plan that has covered you longer is considered primary. For your children's coverage, the primary carrier is generally determined by the birthday rule: coverage of the parent whose birthday (month and day, not year) comes first in the year is considered to be your children's primary coverage. The birthday rule may be superseded by a divorce agreement or other court ruling. How does dual coverage work? Suppose, for example, that both of your plans provide two cleanings a year, each with 80 percent coverage. The primary carrier pays 80 percent, and the secondary carrier usually covers up to the remaining 20 percent that you would have had to pay out-of-pocket if covered by only one plan. You would not, however, be entitled to four cleanings per year. Why not twice as many benefits? Why don't you receive double the benefits when you have two dental programs, especially if your dentist recommends that you receive more than two cleanings per year? Dual coverage limitations, like all other program limitations, are built into your group's contract and into the rates your group pays for your coverage. These contracts are set up to provide affordable dental care to a maximum number of people. Given the choice between doubling one individual's benefits or providing a greater scope of benefits to more people in the group, most group purchasers choose to spread their benefit dollars more evenly. What if you have non-duplication of benefits? For groups with a non-duplication of benefits rule in their plan, the secondary carrier pays only the difference between what the primary carrier actually paid and what the secondary carrier would have paid if it had been the primary carrier. For example, if the primary carrier paid 80 percent and the secondary carrier normally covers 80 percent as well, the secondary carrier would not make any additional payment. However, if the primary carrier had only paid 50 percent, the secondary carrier would pay up to the remaining 30 percent. Dual coverage saves money for you and your group by sharing the total cost of dental benefits between two carriers. Containing costs is an important part of Delta's plan to keep you smiling. Sample coordination of benefits: Procedure Primary carrier pays 80%, Cleaning $80 $64 $16 $0. . When it comes to children, it falls under the "Birthday Rule". The parent whose birthday comes first is primary. For example if mom is January 1,1952 and dad is February 2, 1951, then mom would be primary. The primary plan is responsible for paying covered expenses up to the limits of the policy. If any unpaid costs are left over, the secondary coverage kicks in. The birthday rule is often used to determine which plan is primary and which is secondary. Under this rule, the plan of the parent whose birthday occurs first in the calendar year is designated as primary. The date of birth is the determining factor-not the year-so it doesn't matter which spouse is older. Like most rules, the birthday rule has exceptions: If both parents share the same birthday, the parent who has been covered by his or her plan longest provides the primary coverage for the children; If one spouse is currently employed and has health insurance through a current employer, and the other spouse has coverage through a former employer (e.g., through COBRA), the plan belonging to the currently employed spouse would be primary; and In the event of divorce or separation, the plan of the parent with custody generally provides primary coverage. If the custodial parent remarries, the new spouse's coverage becomes secondary. And finally, the non-custodial parent's plan would provide a third layer of insurance protection. This order of payment can be altered by a court-issued divorce decree or by agreement, but the insurance companies must be notified. Keep in mind that these practices are common among insurance companies, but they are not governed by law. Practices may vary from one insurer to another. Read your policy carefully to make sure you understand how your insurance company handles dual coverage. If the policy language is unclear, ask for help from your employer's benefit specialist or your insurer's customer service department. . Here's the 43 page booklet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf. . The answer simply put is no. the order of liability is determined by general rules (such as the birthday rule) or by a court order. In the case of dual coverage through a single individual (someone with two jobs) the effective date determines which is primary - I've never come across a situation where someone could choose themselves. . The question is not specific enough. Coverage for yourself or for your children? This can get really tricky and no you cannot designate coverage - it's dictated by the insurance coordination of benefits rule written in the employer's contract when they sign up for coverage. Here are a few scenarios: 1. If you are the insured and have coverage through 2 different employers rule is the employer that you have been with the longest will be primary. 2. If you have coverage through your work and your spouse's work then yours will be primary - ALWAYS...NO EXCEPTION. 3. If you have government coverage like Medicare or Medicaid and also have private insurance from work then again your work insurance will be primary and government insurance secondary. 4. If children have coverage through both parents and they are not divorced the birthday rule takes effect. Whoever birthday comes first that's primary. 5. If children have coverage through both divorced parents then primary is the parent with whom they reside. If they have 50/50 custody then the birthday rule applies again. These terms are usually dictated in the contract between the insured and the specific insurance company. Hope it helps. (MORE)
A primary market is the main market to which you are selling. A secondary market is an additional market to which you are selling. Answer A primary offering, such as with a corporate bond, means you are buying it directly from the issuer, at par value, usually. A secondary market is where you …sell or buy existing issues. I.E. If you bought a bond last year, now need to get your principal, you can sell it in the secondary market. You may not get par value. If rates are up since you bought the bond, then you will likely have to sell it at a discount to be able to get rid of it. If rates have fallen since you bought it, you could get a premium for it.. (MORE)
Can you obtain a secondary health insurance policy for a child when the primary placement parent has the primary insurance coverage?
Answer . \nYes most definately! It does not matter who has "primary placement". It is based on which parents birthdate comes first in the year. If you were born Jan 3rd and the other parent was born April 18th, your ins would be the primary. That is a national general rule.
Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or sec…ondary is established by a shared rule between insurance companies. It is not the policy holder's choice. Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy. (MORE)
If you have medicare and your spouse also has you as a dependent on their insurance which is primary and which is secondary?
Medicare is primary unless you are working and have coverage thru your employer. Coverage thru the spouse's employer would be secondary to your own Medicare coverage. NO. The answer posted above is incorrect! Medicare is Secondary. Medicare is secondary when : -The individual or his/her …spouse is currently employed/working and covered under an employer group health plan as a result of current employment see this link http://questions.cms.hhs.gov/cgi-bin/cmshhs.cfg/php/enduser/std_adp.php?p_faqid=871 (MORE)
The subscriber whose birthday comes first in the year is primary. The year is not considered. So a subscriber with a January 1 birthday is primary over the subscriber with a January 2 birthday. Hope this helps.
Not necessarily; a secondary insurance policy or plan might only provide additional benefits up to the maximum that it will pay for a specified service. If both plans have rates that are similar, this might result in a small additional payment. Some secondary insurance or health plans might pay up t…o their maximum -- in addition to what the primary pays, which would result in a higher payment against a claim. (MORE)
You have Medicare as primary insurance and BCBS as secondary insurance Do you pay the copay on the secondary insurance?
The answer to this question depends on what kind of secondaryinsurance you have - is it a group health plan? Is it asupplement? . If Medicare is primary, there are still deductibles, copays,coinsurance that would need to be satisfied by your secondaryinsurance. . Based on your question, I'm assumi…ng that you have a group healthplan with a copayment as your secondary insurance. If so, then yes,you would pay your copayment but it would not exceed the part Bdeductible. (MORE)
Primary bonds : these are strong bonds, There are three types. These are ionic, covalent or metallic bonds. The Bond Energy is much higher than in Secondary bonds. Ionic bonds occur by a complete transfer of electrons. In table salt, NaCl (sodium chloride), Na (sodium) loses an electron and …Cl (chlorine) gains that lost electron to create the bond. It forms an electrostatic bond, where the two particles are oppositely charged, Na + and Cl - . Note: The arithmetic signs should be written in superscript. In Covalent bonds the electrons are shared only and metallic bonds only exist in metals where there exists electron clouds allowing metals to be good conductors of electricity. Secondary bonds : these are weak bonds. There are two types. These are van der Waals or hydrogen bonds. Secondary bonding occurs due to forces produced by atomic or molecular dipoles. The dipoles are produced by random fluctuation of the electrons around electrically symmetric atoms. Another case of secondary bonding is caused when there exists a permanent dipole in a molecule due to an asymmetrical arrangement of positive and negative regions. Molecules with a permanent dipole can either induce a dipole in adjacent electrically symmetrical molecules (and thus form a weak bond), or can form bonds with other permanent dipole molecules. Hydrogen bonding is the stronger form of secondary bonding and is formed from polar molecular bonding. These form, for example, in water and hydrogen fluorides. Many materials have different bond types within them. (MORE)
Answer . It depends.. If there are just the two of you, you are 'primary' on your own policy, and your spouse is primary on his/her own policy. By default you would be 'secondary' on your spouse's policy.. If the two of you have kids, you can elect either of the parents' insurance carriers to …be primary, but you must do this officially, by filing the proper records with the carrier who you want to be primary. Typically, you need to decide which policy will be primary for the kids each year, as you will need to add the kids to one of your policies. You make this choice by reviewing both policies' coverages, copays and costs. The other policy, by default, then becomes secondary.. If you just had a child, you should call your human resources department and/or health insurance company to work out the details and get the child properly insured. (MORE)
You could have two insurance companies pay the same medical bill or claim for a date of service through a process of subrogation where the first insurance company determined by the effective date of coverage will pay their portion of the bill and the second insurance company will pay the balance. Th…is process is called coordination of benefits. Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice. Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy. Secondary insurance should not be confused with supplemental insurance. Supplemental policies usually abide by the primary insurance guidelines. If the primary allows the charge, the supplemental will allow the charge. Most supplemental policies cover the charges you would normally pay out of pocket. For example: A Medicare supplemental policy would cover the 20% coinsurance left over after Medicare pays 80% of the allowed amount. (MORE)
If you are the custodial parent and have no health insurance but your new spouse does will your ex-husband's health insurance be primary or secondary?
Answer . The birthday rule is often used to determine which plan is primary and which is secondary. Under this rule, the plan of the parent whose birthday occurs first in the calendar year is designated as primary. The date of birth is the determining factor-not the year-so it doesn't matter whic…h spouse is older.. Like most rules, the birthday rule has exceptions:. If both parents share the same birthday, the parent who has been covered by his or her plan longest provides the primary coverage for the children. . If one spouse is currently employed and has health insurance through a current employer, and the other spouse has coverage through a former employer (e.g., through COBRA), the plan belonging to the currently employed spouse would be primary. . In the event of divorce or separation, the plan of the parent with custody generally provides primary coverage. If the custodial parent remarries, the new spouse's coverage becomes secondary. And finally, the non-custodial parent's plan would provide a third layer of insurance protection. This order of payment can be altered by a court-issued divorce decree or by agreement, but the insurance companies must be notified. (MORE)
Can you change your secondary insurance to primary insurance if your coverage is better with the secondary insurance?
In most cases no. You can not chage due to better coverage. 90% of insurance companies, if not more, have what is called a birthday rule. Meaning if you have dependant children on the policy the guardian who was born first (or who is older) is the primary carrier for the dependant children and the y…ounger of the two guardians is the secondary carrier. If you were to have coverage through yourself and a spouse you would be your own primary, as would your spouse be their own primary. If you are the carrier for both insurances then it would all depend on your plan provisions and restrictions, in which case you would have to question each insurance company as to how they would handle determining what insurance is primary and what insurance is secondary. (MORE)
For Primary health care you dont get as much advantages however with secondary care you get better serivce and more advantages.
In engineering, the design to be used is the primary design. Thesecondary design is a backup in case the primary design is unusablefor any reason.
How do you determine which is the primary and secondary insurer if you and your spouse both have medical insurance coverage?
It goes off the month in which the parent was born! Who ever was born 1st is primary. It does not go off the age!
Primary is a direct response and report (source, basically) coming from a real witness or writing that was made by a real witness of a situation. Secondary, is well...secondary. It is not totally accurate and coming from a witness. Secondary sources are made from primary sources. Secondary sources w…ould be textbooks, while primary sources would be from real live witnesses, journals from witnesses, and archealogical findings and artifacts. Primary source is information that you have collected yourself, this can be in a form of survey, asking questions etc. Secondary source is information from an external source such as TV, Internet, Books etc. (MORE)
A primary source is a document, speech, or other sort of evidence written, created or otherwise produced during the time under study. Secondary sources provide interpretation and analysis of primary sources.
Primary succession occurs after the complete wipe out ofvegetation. After the wipe out occurs, small shrubs and grassesgrow. Secondary succession however, occurs when there has beendestruction to the land, but not enough to completely devastate thearea. Hard woods grow during secondary succession.
A copay is a "set" dollar amount you pay at the time of treatment. For instance, a $35 doctor copay. If you have level one doctor visits, you pay nothing more than the $35 doctor copay. Co-insurance is the percentage you share with the insurance company after your deductible has been met. When you h…ave two policies - your primary insurance will pay first (subject to deductible and co-insurance), and then your second policy starts with the balance left from the primary policy (subject to deductible and co-insurance again).. For instance a primary policy with a 5,000 deductible and 80/20 co-insurance of $5000.. Your bill for surgery is 6000. You pay 5,000 + 20% of $5000 (1000) = $6000.00. Your balance of your surgery bill is 0 (MORE)
When you have a primary and secondary insurance will the co-pay from your primary insurance be paid by the secondary insurance?
I have insurance paid for by my employer (primary) and through my husband's employer (secondary). In my experience, I have never had to pay the copay required by my primary because it is covered by my secondary. When I first got married, 2 years ago, I still paid the copay, but the doctor's office w…ould always send me a check for the copay a month later because the secondary paid it. (MORE)
If a husband and wife both have dental insurance through their employers, the employee's insurance is primary when the employee is the patient, and it must pay it's benefits. The spouse's insurance is secondary, and will only pay once the primary insurance has paid. Depending on how the policy is wr…itten, sometimes the secondary insurance will pay any residual fees up to the annual maximum. Sometimes the secondary insurance only pays if their fee schedule allows higher fees than the primary insurance. This assumes that each spouse is named as a dependent on each other's policy. Ask the insurance coordinator at your dental office to what benefits are available between the two policies. (MORE)
primary lesion is a macule, papule, pustlie, vesicle. secondary lesion is a ulcer, crust, scar, skin atrophy, excoriation
Primary succession is when living things colonize an area wherethere were no living things to begin with. For example, after aglacier moves away. Secondary succession is the regeneration of aplace that did have colonization. For example, after a forest iscut down.
I dont really know but can see your mom in a hotel doing the nasty with a black dude
Primary market where Shareholders buy their share directly from Organization when its launch IPO and secondary market where buy and sell of share takes place among the shareholders. Regards Nandeep Singh email@example.com
Can you have the same primary name on two health plans Not primary and secondary insurance coverage?
vehemately you can .but of your own disadvantage because you will be required to pay pramuim to different insurance company but will only be compaseted the actual amounth you need so doing that will be of no value
Primary insurance coverage is what is first used when a medicalservice is being rendered. This is what will be billed first.Secondary insurance is supposed to cover what the primary insurancedoes not.
Primary landforms are landforms that have no eroded at all. On theother hand, secondary landforms are landforms that have eroded.
the difference is that Primary evidence is took from that moment and secondary is a piece of evidence found from the past.
The answer to that question depends on a few things. 1. Group insurance policies are always primary over personal or self bought policies...ie You work for ABC company. You have insurance thru them (group policy) and you also pay for an individual or personal policy. Your policy thru ABC would be pr…imary 2. Government insurance (except for medicare) is always 2nd...ie Tricare, medicaid, and etc. 3. An active policy is always primary over a retiree policy. For example John retired from ABC company and has insurance thru them. He currently works for DCE company and has a policy thru them. The DCE policy would be primary and the ABC policy 2ndary 4. If you are retired and have medicare. Then medicare is primary but if you are actively working your group insurance would be primary. 5. When it comes to children the order is 1. Parent who's birth month comes 1st if both parents are born in the same month it goes by the day (the year doesn't play a role in this) 2. If parents are divorce it goes by 1. court order if not applicable goes by who has custody is primary this includes step parents. The step parent who has custody of a child, their insurance is primary. There are a few other rules when it comes to who is primary...when in doubt contact your insurance company (MORE)
Medicaid is always the payor of last resort. Before a Medicaid agency pays a bill for a Medicare beneficiary, they require documentation that Medicare has "adjudicated" the bill (i.e., decided whether to make payment and, if so, how much).
I'm guessing primary need is a chore item etc. that needs to get don as the first priority. Secondary is a lesser need. Don't think this is fully true. I am just guessing
Similarities: . They are both seismic waves that transmit energy. . They are both "body" waves. . Their velocity is affected by the density of the material through which hey travel. Differences: . S-waves are transverse waves where as P-waves are longitudinal waves. . As P-waves are lon…gitudinal or compressional waves they are able to travel through liquids and so can pass through the Earth's outer core. S-waves are not able to travel through liquids. . P-wave velocity is affected by the bulk and shear modulus of the material through which it is travelling, S-wave velocity is affected by the shear modulus of the material only. . P-wave velocity is higher than S-wave velocity for a given material. (MORE)
Secondary research looks into the target audience and issue. This may include desk research and stakeholder consultation. Primary research is carried out directly with the target audience. For example: . Face-to-face or telephone interviews . Online or emailed questionnaires . Vox pops or 'clip-b…oard' research . Focus groups (MORE)
Primary Means, it is individual there is no dependence, But Secondary will allays depends on Primary, If you want to do Secondary, you should complete primary first, There is no precondition to primary, but for Secondary Primary is the Precondition, first you should do primary, then only you are abl…e to do secondary. (MORE)
the primary radar mostly we used for air traffic control and other civil society work but this primary radar will not cover the whole requirement data. But secondary radar system will give all the details which we required Also mostly we used for it for security purpose and we can take the IFF and …SSR from this secondary (MORE)
The primary structure is a one or two dimensional structure, whereas the secondary structure is a three dimensional structure in which different parts of the protein molecule bend and twist due to the formation of hydrogen bonds between atoms. This makes the secondary structure shorter than the prim…ary structure. (MORE)
Secondary DNS gets its records from the Primary DNS Server. The secondary DNS is essentially there in case the primary DNS doesn't respond.
A primary polluntant are a polluntants that enter the air directly from a source and a secondary polluntant are air polluntants produced by the reaction of a primary pollutant.
It is usually written in an insurance policy if the policy is primary or secondary. If both policies have language that makes them secondary if other insurance is present then they may split the amount owed. State laws may change this.
primary teeth have shorter clinical crowns . primary teeth have thinner layers of enamel and dentin . the roots of front primary teeth are narrower . Compared to their crowns, primary tooth roots are Longer andmore slender
We have Medicare and added on Anthem. Does that mean Medicare is primary (Paying 80 percent) , and Anthem is secondary?
Primary Motivation is related directly to Homeostasis. Things you NEED to do to maintain survival/ body need. Exp: u need to drink water because ur thristy. Secondary Motivation is opposed to PM. it's behavior that you do because you WANT to do it not because you need to do it. exp: Some salt in th…e diet is required but most of your drive to eat salt for hedonistic (for enjoyment). (MORE)
Yes. The great thing about HRAs is that they can work pretty much however you want them too.
primary information is the information/data that you collected and secondary information is the data/information that is collected by someone else but you are using it.
I would think primary is the leasee and the secondary is a sub lease from the leasee.Not always agreed on by the leasor.
The difference between primary and secondary smoking is very simple. Primary smoking is actually smoking the cigarette yourself, whereas secondary or second hand smoking is inhaling fumes of other smokers around you, whilst you are not actually smoking the cigarette. That is why the smoking ban wa…s introduced and more and more smokers are smoking in smoking shelters. Which, not only provides shelter for them when they are smoking outside, but it also protects non smokers from the harmful fumes. (MORE)
Primary sources are usually from people who have witnessed with their own eyes; events or happenings. Secondary sources are from people who have heard "via the grapevine." and weren't there when the event happened
Within each policy there is a clause called the coinsurance clause which will spell out which policy will be primary and which is secondary. I assume that you are referring to health insurance and not any other type of insurance as this occurs mostly in health insurance cases. There are different me…thods of determining this so that is why I have to refer you to your specific policy. Some of the method can be: which policy started first, which policy owner has the earliest birthday during the year, and there are a few more methods. In any case the insurance carriers will determine which is primary. This will result in which policy pays first and which policy pays the remainder. The total paid by both companies can never exceed the amount of the bills so you cannot benefit no matter how many policies you have. It is illegal to profit from insurance payouts like this. (MORE)