Dual dental insurance

How does having two dental insurances work? What is double coverage dental insurance? Why you should see an out of network dentist? What dental insurance plan is the best?

Dual coverage works the same way whether you are covered by two Delta Dental plans or by Delta Dental and another insurance company.

Delta Dental simply works with the other insurance company to coordinate your benefits. Dual Coverage with the Same Delta Dental Company. A patient may have dual coverage through the same Delta Dental company (for example, your patient may have her own Delta Dental of California coverage and also be covered as a spouse through her husband’s plan, which is also a Delta Dental of California plan). This can happen in many ways. You may have coverage from your employer and your spouse’s employer.

Or, parents could have separate coverage on their children through their individual employers. Per industry standards, the dental insurance you receive through your employer is considered your primary insurance plan. When you are covered by two dental plans this is called ‘ dual coverage.

However, it may reduce your out-of-pocket costs. Primary simply works with the other insurance company to coordinate your benefits. We simply work with the other dental carrier to coordinate your benefits and ensure that the combined amount paid by the plans does not exceed the total amount charged by the dentist. You can either keep both plans and combine benefits to retain dual dental insurance , or choose one of your employer’s plans to cover both of you (if you’re both eligible).

Figuring out which option is best will require a cost comparison of premiums, deductibles, co-pays and coverage options. Generally, dental plans coordinate benefits so that eligible claims are paid up to 1percent between the two plans. Coordination of Benefits.

Dental Insurance Preventive oral care not only provides benefits for your overall health, it also helps avoid unexpected expenses like oral surgery. Our large network and flexible coverage options help keep your out-of-pocket costs down. 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 desired dental treatments” (“Supplemental Dental Insurance”). Since some dental insurance provides little to no coverage for more expensive treatments, dual coverage helps make treatments more affordable for patients. The main advantage of dual coverage is that it may save you money on dental care.

If the primary plan doesn’t cover a certain treatment or covers it only partially, the secondary plan could cover some or all of the remaining balance (assuming the treatment is also covered under the secondary plan). Billing Dual Dental Insurance : Secondary Claims Hopefully, the claim you sent to the primary insurance went well. There were no hang-ups or delays and you now have an insurance check and an explanation of benefits in your possession.

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.

Having double or dual coverage is a great thing to have, especially for people needing extensive dental work. Dental office managers have big jobs dealing with insurance companies. The job is doubled when patients carry two insurances. Dental insurance is designed to offer you coverage for common dental care issues and to help you budget for dental services at all levels, preventive, basic and major. Golden Rule Insurance Company has dental insurance plans that are just right for helping you fill out your health care coverage.

You and your dependents may be eligible for state-sponsored dental insurance , available from one of several dental plans. Eligible employees may enroll in a dental plan within the first days of employment or eligibility or during the annual Open Enrollment period. Changes in coverage are also permitted during Open Enrollment.