Can you have 2 dental insurance policies?
You cannot use two dental discount plans in the same office at the same time.
Coverage under two different dental plans is known as dual coverage.
If you’re fortunate enough to have dental insurance coverage through two different carriers, you may combine the plans to minimize your out-of-pocket expenses.
How does it work if you have two dental insurance plans?
Generally, dental plans coordinate benefits so that eligible claims are paid up to 100 percent between the two plans. The primary plan pays the claim as it normally would, and the secondary plan pays what’s left based on its coverage limits and up to 100 percent of the total claim.
Can you have more than one dental plan?
I have more than one dental insurance plan. However, even though you may have two dental benefit plans, there is no guarantee that both plans will pay for your services. Some secondary plans will not pay until you have exhausted the entire maximum of your primary coverage.
How does supplemental dental insurance work?
Supplemental dental insurance is purchased to fill the gaps in a policy holder’s dental or medical coverage. Gaps in coverage can occur when the primary policy’s annual spending limit is reached, or when a policy doesn’t provide coverage for necessary or desired dental treatments.