Dual dental coverage

How does having two dental insurances work? What is double coverage dental insurance? If you are covered by two dental plans. When you are covered by two dental plans this is called dual coverage.

However, it may reduce your out-of-pocket costs.

Dual coverage works the same way whether you are covered by two Delta Dental plans or by Delta Dental and another insurance company. Coordination of benefits is the process insurance companies follow to ensure that the combined benefits from all group dental plans do not exceed 1percent of the dentist’s fee. While dual coverage does not double your coverage or pay more than 1 of expenses, it may help you reduce your out-of-pocket costs. Dual coverage of dental benefits means you have coverage from two different dental plan carriers. Having dual coverage does not mean that you have double the benefits, rather both insurance companies.

You may have coverage from your employer and your spouse’s employer. This can happen in many ways. Or, parents could have separate coverage on their children through their individual employers.

When plans contain a Coordination of Benefits provision, both carriers will. With dual coverage , you cannot combine the services. When you have two dental insurance policies, one acts as a primary and the other as a secondary form of coverage. Generally, dental plans coordinate benefits so that eligible claims are paid up to 1percent between the two plans.

Many dental practices do not bill the secondary carrier until the primary carrier has paid. Once the secondary carrier receives documentation of the primary carrier’s payment, the secondary carrier can calculate and pay its portion. Some individuals and families have secondary insurance plans, which could “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 reache or when a policy doesn’t provide coverage for necessary or.

It’s not uncommon, but it can get a little complicated. Coordination of Benefits. Here’s how it works: 1. Your COB is the way your two plans work together when you have dual coverage. The birthday rule determines whose plan is primary and looks at what month the person is born in.

Having double or dual coverage is a great thing to have, especially for people needing extensive dental work. For example, your dependents may be signed up for dental benefits through both your employer and your spouse’s employer. PREVENTIVE DENTAL COVERAGE.

Dual Coverage : Coverage Under More Than One Dental Plan. UPMC for Life Dual includes preventive dental coverage for cleanings and exams. Some dental plans require a waiting period before they will pay for braces.

They might cover cleanings and general dentistry immediately, but sometimes will have you wait as long as years before orthodontic coverage is active. Be sure to ask you dental plan if there is a waiting period for braces. Can I have dual coverage for braces?