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Can I have 2 dental insurance with the same insurance provider?

Hi, I'm currently under my wife's dental insurance plan since her company pays 100%. I went to the dentist last week and my doctor told me that I have to replace my super old crowns and the total cost will be approximately $3,800. So I have to pay almost $2,000 out of my own pocket since my insurance will only pay the first $2,000. However, my co-worker told me that if I have another dental insurance policy through my own company then my extra insurance will cover the rest of the cost. Both my wife's company and my company have Metlife dental insurance plan. Has anyone tried such thing? Or is there some sort of restriction to do such thing depending on the companies? Thanks in advance.

Public Comments

1. Won't work. Would of worked in the old days before coordination of benefits. Even though you have two insurance companies they will coordinate benefits and only pay up to the allowable amount. Kinda sucks. Only real benefit of having two plans is that it will allow you to exceed the yearly maximum. Once the max is met on your primary your secondary will take over but it will not allow you to combine together for a specific procedure. If one plan is better than the other you can use that to your advantage. Ex: Procedure costs $1,200.00. Plan one pays $800.00, Plan two pays $860.00. You can get the $800.00 from plan one and the $60.00 from plan two.
2. Yes you can. Both insurances will pay on the same procedure up to the allowable amount. For example, a filling costs $100. Insurance #1 (Primary - yours) may pay 80% ($80). Insurance #2 (Secondary - Wife's) may pay 80% too but would only pay AFTER primary has paid and will pay the remaining $20. You will probably have deductables for both and will have to pay both. Another thing to consider is that getting a new insurance may have a waiting period for major work such as crowns for a year or so. It may not pay anything.