Ortho Coverage: Primary and Secondary

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1. Hi!

   Let’s break down the ortho coverage:

   1. Mom’s Coverage: She covers 60% of up to $2000. So:

   2. 60% of $2000 = $1200 (this is the maximum she will pay)

   3. Dad’s Coverage: He covers 50% of up to $1500. So:

   4. 50% of $1500 = $750 (this is the maximum he will pay)

   Now, let’s see how much they will contribute together:

   • Total contribution from Mom = $1200
   • Total contribution from Dad = $750

   Total insurance coverage = $1200 (Mom) + $750 (Dad) = $1950

   The total cost of braces is $5000, so the out-of-pocket expense will be:

   Total cost – Total insurance coverage = $5000 – $1950 = $3050

   So, unfortunately, the total out-of-pocket cost will be $3050, not $1500.

   Hope this helps! Let me know if you have any more questions.

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