Dual coverage dental insurance

Find Out How You Can Save. What is double coverage dental insurance? What are the advantages of dental insurance? Does dental insurance count as health insurance for taxes?

Can I have dental insurance without health insurance?

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.

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. 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.

When plans contain a Coordination of Benefits provision, both carriers will. Advantages of Dual Coverage Dental Insurance. 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). If so, you likely have dual coverage and your dental plans need to coordinate your benefits.

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. 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. Children with dual coverage fall under the birthday rule. 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.

MetLife Dental PPO Dual Coverage. Having double or dual coverage is a great thing to have, especially for people needing extensive dental work. It all depends on how the policies are drawn, but generally a primary insurance plan covers what it covers and the secondary plan kicks in to help take care of the rest.

Aetna Vital Dental Savings.

The birthday rule determines whose plan is primary and looks at what month the person is born in. You can have Medi-Cal even though you have Other Health Coverage (OHC) through individual or group private health (or dental ) insurance coverage. DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.

Products are not available in all states. Policy limitations and exclusions apply. Plan documents are the final arbiter of coverage. This policy provides DENTAL insurance only.

Just because you have Dental Insurance does not mean you have orthodontic coverage. Be sure to ask if your plan covers both. Also be sure to ask if the coverage is for adults and children or just for children. Sometimes there are higher premiums for both dental and orthodontic Coverage but often times there are not.

Each company is different. Group dental insurance policies featuring the MetLife Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY. Dental Managed Care Plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation in NY. 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.