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In this case, the secondary carrier would pay $($x percent - $= $14). Dual coverage saves money for you and your group by sharing the total cost of dental benefits between two carriers. Secondary insurance , or “supplemental insurance ,” can greatly reduce your medical costs, but in most cases, secondary dental insurance does not exist.
An individual or family that needs coverage for a particular procedure not covered by their dental plan may choose to purchase supplemental dental insurance to help manage costs. The secondary plan’s exact coverage amount is based on its coordination of benefits and non-duplication of benefits rules. Non-Duplication of Benefits Rule. 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.
If your healthcare plan doesn’t offer dental coverage , or your dental care needs exceed the limits of your dental insurance plan, you may want to consider supplemental dental insurance plans.