Employer Health Cash Plan

schmo

Hi! I have two jobs, and they both provide health cash plans through different companies. I was wondering if i could claim on both for my dental for the same expense. I've read the smallprint and there doesnt seem to be anything i can find that says i cannot claim twice. 

I know for general insurance and PMI it is difference and they expect you to split the cost between all policies but as far as i can see this isnt the case with a cashplan.

Appreciate any advice on this as it would be great of i could claim twice so to speak for the same dental claim. 

Thanks

csgohan4

why would you claim twice for the same problem? is that not fraud? Why not just go with 1 provider?

schmo

csgohan4 said:

why would you claim twice for the same problem? is that not fraud? Why not just go with 1 provider?

That is what i am trying to ascertain; if it is fraud i would not do it. As I mentioned; with PMI and other insurance products the small print is clear - you cannot. With a cashplan you can however claim on PMI and your cashplan for the same treatment. That is legal,  permitted and very common.

However I am unclear if i can claim on 2 different cash plan policies legally as these are not insurance policies and not underwritten. To repeat i would not do it if illegal. However should it be possible to claim twice on two different plans through my two different jobs then financially i would be better of. That is what i am trying to find out. So is it possible if there is nothing in the small print, or is it not permitted? Thanks

user1977

It's an interesting point, I can't find anything in the conditions for my own cash plan which prohibits you from claiming if you've also been reimbursed from another source.