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"Additional health insurance" may be a misnomer. That is, if one has multiple major medical policies, each with a coordination of benefits provision, they work together to determine which is primary and which is secondary, and pay according to their respective terms. Stated otherwise, the insured does not get any excess money nor does the provider--that is contrary to the whole concept of insurance, in that it is intended to make one whole, not to profiteer.

However, one can, if the policy or plan permits, increase policy limits, decrease co-payments and decrease deductibles. In a sense, that is sort of buying more insurance as the net result may be fewer dollars out of pocket in the event of a claim.

Finally, there are policies that are available, such as those offered by AFLAC, which pay a stated amount of benefit per day that the insured can use for any purpose, as long as the claim stems from a covered cause of loss. That is, payment is made irrespective of other major medical coverage and can be used as the insured sees fit.

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Q: Should you buy additional health insurance?
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