Can A Person Have Two Dental Insurance Plans? Dual Dental Insurance Simplified

Ever wondered if you can leverage the power of two dental insurance plans? The answer is yes.

Having two plans, also known as dual dental coverage, can be a strategic way to maximize your dental benefits and potentially lower your out-of-pocket costs.

But before you dive headfirst, there are some important details to consider.

_DUAL Dental Insurance

Can A Person Have Two Dental Insurance Plans? How It Works

You can have a dental plan through your employer and another through your spouse’s job. Here’s what happens with dual coverage:

  1. Coordination of Benefits (COB): This fancy term basically means figuring out which plan pays first (primary) and which pays second (secondary). Typically, the plan you’re the primary member of (through your job) becomes the primary plan.
  2. Primary Plan Pays Up: Your primary plan kicks in first, covering a portion of the dental procedure cost according to your plan’s coverage limits. This might be a fixed dollar amount or a percentage of the allowed charges (the amount your dentist agrees to accept).
  3. Secondary Plan Steps In (Maybe): Once the primary plan has paid its share, the secondary plan might step in to cover some remaining costs. However, this depends on the specific terms of your secondary plan. It often won’t pay anything until the primary plan has reached its maximum benefit for the year.

Important Note: The total payout from both plans won’t exceed the actual cost of the dental procedure. So, even with two plans, you won’t get more money back than the dentist charges.

Why Consider Dual Dental Coverage?

While dual coverage won’t double your benefits, it can offer some significant advantages:

  • Reduced Out-of-Pocket Costs: Imagine your primary plan covers 80% of preventive care like cleanings and X-rays. With a secondary plan, you might reach that 100% coverage mark, leaving you with less to pay out of pocket.
  • Broader Coverage: Dental plans can vary in what they cover. One plan might cover major procedures like crowns at a higher percentage than the other. Having both plans can provide a safety net for these more expensive procedures.
  • Meeting Annual Maximums Faster: Most plans have an annual maximum, the total amount they’ll pay out in a year. If you have extensive dental work planned, dual coverage can help you reach that maximum faster, potentially reducing your out-of-pocket costs for the remainder of the year.

Things to Consider Before You Dive In

While dual coverage can be beneficial, there are some things to keep in mind:

  1. COB Can Be Complicated: Coordinating benefits can be a complex process. Make sure your dental providers and both insurance companies are aware of your dual coverage to ensure everything gets handled smoothly.
  2. Not All Plans Work Together: Some secondary plans might have limitations on coordinating with other dental plans. It’s crucial to check the terms of both your plans to see if they allow dual coverage.
  3. Individual vs. Group Plans: Dual coverage often works best with group plans offered by employers. Individual dental plans might have stricter rules about coordinating benefits.
  4. Increased Premiums: Having two plans means paying two premiums. Consider if the potential savings on procedures outweigh the additional cost.

Tips for Making Dual Dental Coverage Work for You

  • Communicate with Both Providers: Inform both your dental providers and insurance companies about your dual coverage. This ensures everyone is on the same page, preventing delays or confusion when filing claims.
  • Understand Your Plans: Take time to read the details of both your dental insurance plans. Pay close attention to coverage specifics, annual maximums, and any limitations on coordination of benefits.
  • Ask Questions: Don’t hesitate to reach out to your insurance companies or HR department if you have questions about your specific plans and how dual coverage might work for you.

Is Dual Coverage A Smart Strategy or Not?

Dual dental insurance can be a smart way to maximize your dental benefits and potentially save money on dental procedures.

But it’s not a one-size-fits-all solution. Consider your individual needs, compare your plans’ details, and weigh the costs and benefits before diving in.

Leave a Comment