Coordination of group insurance benefits
I submitted a dental claim for $725 to my work group insurance of which they paid $500.
I am also covered at my wife's group insurance at her work.
I submitted the remaining $225 to be reimbursed by her plan.
They came back and said the eligible expense for the procedure under my wife's plan covers $425 only.
Since my insurance paid $500, they say nothing else will be paid.
Why would nothing be paid? Am I not essentially claiming the remaining $225 not paid by my plan?
Since the eligible coverage under my wife's plan is $425, shouldn't they pay the remaining $225?
What is the use of having two plans then.
Does this make sense to anyone?
How does it work?
I am also covered at my wife's group insurance at her work.
I submitted the remaining $225 to be reimbursed by her plan.
They came back and said the eligible expense for the procedure under my wife's plan covers $425 only.
Since my insurance paid $500, they say nothing else will be paid.
Why would nothing be paid? Am I not essentially claiming the remaining $225 not paid by my plan?
Since the eligible coverage under my wife's plan is $425, shouldn't they pay the remaining $225?
What is the use of having two plans then.
Does this make sense to anyone?
How does it work?