@Mike9241 wrote:
@puneetswami9 if your child is covered by multiple plans there's usually a provision - called coordination of benefits - which may result in lower coverage on a claim than if only covered by one policy.
The idea is that one plan is primary on the child, and all claims must go to that plan first. Then, any unpaid amounts may be submitted to the second plan, which might or might not cover anything depending on the rules of the plan. I've never had coordinated coverage result in less benefit, but sometimes the second plan never kicks in. You should think about which plan should be primary on the child, based on coverage limits, in-network providers, and so on.
