How Does Primary And Secondary Dental Insurance Work?

The general rule is that the plan that covers you as an enrollee is the primary plan and the plan that covers you as a dependent is the secondary plan.

For example, if both of your plans provide two cleanings a year, each with 80% coverage, then: You would not be entitled to four cleanings a year.

Can you have a primary and secondary dental insurance?

Non-duplication of benefits clause

This means that the secondary plan will not pay any benefits if the primary plan paid the same or more than what the secondary plan allows for that dentist. Dual coverage saves money for you and your group by sharing the total cost of dental benefits between two carriers.

How does it work when you have 2 insurances?

Coordination of benefits is the process in which someone with two health insurance plans can receive coverage. The way that this works is that one plan becomes your primary and one plan becomes your secondary. Then your secondary insurance plan kicks in and covers the rest of the cost if it’s covered and necessary.

Can you have 2 dental plans at the same time?

Absolutely. 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 do deductibles work with primary and secondary insurance?

The primary plan pays its share of the costs first. Then, the secondary insurer pays up to 100% of the total cost of care, as long as it’s covered under the plans. Well, having two health insurance plans also means that you’ll likely need to pay two premiums and deal with deductibles for two health plans.

What determines primary insurance and secondary insurance?

Individuals can have coverage under an employer-based plan while also having other coverage, such as via a spouse’s plan. And kids can have coverage under both parents’ health plans. When you are covered under two health plans, one plan is considered primary and the other is secondary.

Is it worth having two health insurances?

Not exactly, but having two or more health insurance plans does help cover any health insurance expenses better through the coordination of benefits provision. The most common example is when two spouses or domestic partners have health insurance and both of their employers provide a health insurance plan.