In both cases, dealing with AETNA although the medical insurance has dental in addition to the separate dental policy. One side, the medical side, of the company issues insurance cards so spent a lot of time trying to get access to both accounts so I could screenshot the cards as I will need copies of the cards as some point. The medical side is sending me copies of the cards, but it can take several weeks to receive them and I need access soon
I learned a long time ago that some insurance companies will only send out one card so I always hold onto the card in case they send another one. I also had to deal with a third dental plan that I belong to as a member. They didn’t send me a card, but I was able to access their website and get a photo of their card.
It may sound like I am overinsured on dental and medical insurance. I’m not. Most dental plans have limits on how much they pay out and in some cases, it’s fairly small; one of the dental plans only pays out $2,000 for the year. It’s cheap enough that I get more value than I pay in premiums. For the medical plans, between the two of them, most of my non-prescription costs are covered. With prescriptions, it can vary depending on which pharmacy I use and what prescription I receive. The other advantage is the plans tend to have maximum amounts they can be billed by a medical provider or dental office. Much cheaper than if I didn’t have the insurance.
In comparing the insurance costs, I am ahead with the premium totals I pay yearly than what I spend at the various medical and dentist services provided from having the different plans.