My dual insurance coverage explained

14 Apr

I’ve come across some information on the University Health Services (UHS) website on how my dual insurance coverage with the Student Health Insurance Plan (SHIP) and my father’s plan works:

Services provided at UHS will be billed exclusively to SHIP regardless of whether you have dual coverage through another plan in addition to SHIP. For services provided outside of UHS, SHIP is secondary to all other insurance plans, (except Medi-Cal) meaning the other plan must pay for services first. In this case, SHIP will cover any charges, within the plan’s benefit limits, not covered by your other plan.

It looks like SHIP would ordinarily cover 70% of costs for the oral surgeon with it being out of network, so if my father’s plan covers anything near that proportion, I won’t be liable for much.

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