If i have an HMO and i buy a supplemental insurance plan will the HMO refuse to pay?

How will the HMO know you have a supplemental plan?

Generally, supplemental health insurance plans pick up where your primary plan leaves off. For example, if your HMO provides coverage for a certain number of days, your supplemental policy might pick up when the HMO coverage ends. Some supplemental plans pay you directly instead of paying the health care provider.

If you still have questions and want to speak with local health insurance agents, or you want to compare and contrast locally available health plans try MostChoice.com. You can check out current prices and features of virtually any type of health insurance policy and talk with insurance agents without obligation.

You can visit MostChoice here: http://www.mostchoice.com/health-insuran...

Hope this helps,
Barnes@MostChoice

no, they will be your primary insurance and the supplement your secondary. Depending on the supplement you pick up, it will cover what your primary (HMO) does not. Again this depends on the contracted coverage you have with the supplement. However, due to the contracted coverage with your HMO they cannot refuse to pay. Now, if you are single and the primary member for both insurances this is how it works. If you are married and your spouse is the primary on one of these insurances, neither can refuse to pay, but it makes a difference on which insurance is primary for you and depending on which ins is primary for you can depend in how they pay and what you will owe when they both have paid their portions.

An HMO insurance plan does not really pay anything for your dental treatment. They pay your dental office a quota every month even if you don't come in, so when you do come in they don't charge you but your co-pay for the office visit and if u have dental treatment done then you pay out of pocket. At this point you could use a supplemental to help pay your out of pocket expense. That is a good idea if you need alot of dental work. But an HMO insurance only covers whats on their fee schedule and the rest is your responsibility. The traditional plans and PPO's are better and your monthly payment is more but they do pay for your services up to an annual maximum or they pay their percentages for your services. Then a supplemental insurance plan would be a good addition to your coverage.