问一个关于牙医保险的事情

[qixuan2002]

我和老公在两家不同的公司工作。
我单位有一份牙医保险，老公单位的牙医保险是family dental，上面也有我的名字。
老公的保险比我的要好，我可不可以先用老公那边的保险？？

万能的CFC，快告诉我答案吧！！！！

 

[Beefburger]

no

 

[cczz]

必须先用自己的，不COVER的部分，去你LG那边报

 

[qixuan2002]

那意思就是，如果我单位只报销80%，剩下的20%我去LG那边报，是吗？？

 

[CanMa2011]

You have to submit your claim to your insurance first, make a copy of your official receipt. Then after you got the statement from your insurance company, you submit the total amount to your husband's insurance company (with your insurance statement, which shows how much has been paid to you; and the copy of your dental form from your dentist.)

e.g. If you submit $200, and your insurance covers 50%, you will get $100 back. If your husband's insurance covers 100%, you will only get the rest of $100 from his, not $100+$200. In one word, you can get your money back as much as they cover, but not profit from it.

 

[Beefburger]

那意思就是，如果我单位只报销80%，剩下的20%我去LG那边报，是吗？？

是这样的

 

[qixuan2002]

明白了，谢谢大家了！！！

 

[Dows Lake]

那意思就是，如果我单位只报销80%，剩下的20%我去LG那边报，是吗？？

对头。
让牙医office打印一份second insurance claim form填好寄到你LG保险公司，同时必须附上你自己公司报80%的回信，如果dental office帮你online claim了，他们马上可以打印出你的claim记录，就不用等你自己保险公司带支票的回信了。附上这个打印的就可以了。

 

[草根阶级]

对头。
让牙医office打印一份second insurance claim form填好寄到你LG保险公司，同时必须附上你自己公司报80%的回信，如果dental office帮你online claim了，他们马上可以打印出你的claim记录，就不用等你自己保险公司带支票的回信了。附上这个打印的就可以了。

Some dental offices can file claim for you online immediately, on both side. Then you get 100% back: 80% from your own, 20 from your husband's policy. The beauty is you don't even need to lift a finger. They can do it for you by simply swiping the policy cards.