If you have two health insurances, you will then have primary and secondary plans. The plan of the parent whose birthday comes first will be considered the primary. For divorced or separated parents, the court decides which is primary and which is secondary between the health insurance plans. With two health insurances, the initial claim of medical or health care bills goes to the primary health plan. In most cases, the second policy pays the balance. For eample, when you pay for hospital bills, the first policy will cover 80% and the second will pay for the remaining 20%. It means that you won’t have any out-of-pocket payables. However, you must carefully study the provisions of your health insurance plans for any Coordination of Benefits (COB). Read the COB Guidelines if it indicates any payment eceptions. There might be instances when the secondary health policy will not pay for the remaining bill left by the first policy. Having two health insurances might be good for your son if you think he really needs it. Although we cannot predict when the two plans would come in handy, you must determine whether it is indeed feasible to get him a health insurance at his age or with his health condition. If he is healthy, your out-of-pocket epenses might be cheaper than the monthly premium for the secondary insurance plan. - June 26, 2009 @ 11:27 am