Quick Answer: How Does It Work When You Have 2 Dental Insurance?

Coordination of Benefits

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.5 Apr 2019

Can you use two dental insurance plans at the same time?

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.

Is there a benefit to having two dental insurances?

If you’re fortunate enough to be covered by two dental plans, you have what is called dual coverage. Dual coverage doesn’t mean that your benefits are doubled. What it does mean is that you will likely enjoy lower out-of-pocket costs for your dental care.

Can I get dental insurance if I need work done?

There’s no question that dental work is expensive—especially when you need to have major work done. If you’re not covered through your job, you may have to purchase it on your own. However, purchased individually, dental insurance can be a waste of money if your plan doesn’t match your needs.

How does dental insurance work?

Most dental plans cover 100% of preventive care such as annual or semi-annual office visits for cleaning, X-rays and sealants. Basic procedures are treatment for gum disease, extractions, fillings, and root canals, with deductibles, co-pays and co-insurance determining the patient’s out-of-pocket expenses.22 Jun 2019