Dual Choice Provision

A dual choice provision is an insurance policy feature that allows the policyholder to choose between two different coverage options for a particular benefit. This provision is commonly found in group insurance plans, such as employer-sponsored health insurance plans.  

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For example, a group health insurance plan may offer a dual choice provision for dental coverage. Under this provision, employees may choose between two different dental coverage options, each with different levels of benefits and cost-sharing.

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Key features of a dual choice provision may include:

• Choice between two coverage options: The policyholder is given the option to choose between two different coverage options for a particular benefit.
• Different levels of benefits: Each coverage option may offer different levels of benefits, such as different deductibles, copays, and maximums.
• Different cost-sharing: The policyholder may be responsible for different levels of cost-sharing under each coverage option, such as different coinsurance percentages or out-of-pocket maximums.
• Group insurance plan: A dual choice provision is typically found in group insurance plans, which are offered to a group of individuals, such as employees of a company.
• Limited to specific benefits: A dual choice provision is typically limited to certain benefits, such as dental, vision, or prescription drug coverage, and may not be available for all benefits under the insurance plan.

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