Dual dental insurance coverage for orthodontics

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. If you are covered by two dental plans. When you are covered by two dental plans this is called dual coverage. This does not double your 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. The birthday rule determines whose plan is primary and looks at what month the person is born in. No insight on dual coverage , but read your plan docs carefully - the $2k is paid first before any contribution on your part?

Dental insurance that includes coverage for braces and orthodontics might be something worth researching for you, especially if your coverage is for multiple family members, in which case the costs could add up very quickly. You can explore all of your options for affordable dental insurance by visiting our Dental Insurance page. When plans contain a Coordination of Benefits provision, both carriers will.

Rules of Dual Coverage. Your plans may provide equal coverage for certain procedures, but which plan pays for what?

Your primary plan pays its benefit as if you have no additional insurance plan. 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 ? Children with dual coverage fall under the birthday rule. Many Humana dental insurance plans offer discounts on adult and child orthodontic care. Depending on the plan you choose, you may have a range of discounts on the cost of braces and other devices. Great Discounts on Dental Work.

Aetna Vital Dental Savings. Find Out How You Can Save. If so, you likely have dual coverage and your dental plans need to coordinate your benefits.

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. But without dental insurance coverage , your child’s braces can put a big dent in your budget.

The average American spends about $0to $5on braces without dental insurance.

This price is just for the braces themselves — not including visits to the orthodontist, x-rays or other diagnostic tests. We offer dental insurance that covers adult and children's braces and plans with coverage for invisible braces. Orthodontic Insurance. The normal time for braces is months. In that case, your benefit would be paid over months.

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. The extractions were done by our dentist and fully covered by our regular dental plan. He will probably need braces in the future but this means we only do it once.

The last company you can access via link at the end of the article (or simply search it). There a lot of dental insurance plans but not all of them cover orthodontic.