“Dual coverage” refers to when a patient’s dental treatment is covered by more than one dental benefits plan.
“Coordination of benefits” is the process insurance companies follow to ensure that the combined benefits from all group dental plans do not exceed 100 percent of the dentist’s fee.
Can I use 2 dental insurance plans?
To use two dental insurance plans, submit your dental claim to the primary carrier first. Depending on your policy, the secondary insurance will pay all or part of the remaining balance. If the primary carrier has paid more than the secondary carrier’s limit for the cost of the procedure, it may deny the claim.
How does dual coverage dental insurance work?
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.
What happens if you have two dental insurances?
Some dental plans have a “non-duplication of benefits” clause which applies when you have more than one dental insurance plan. This means your secondary health plan will not pay any benefits if the primary plan paid the same amount or more than what the secondary plan allows for the same procedure and dentist.
How do deductibles work with primary and secondary insurance?
The primary plan pays its share of the costs first, and 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.