What does dual dental coverage mean?

If you are covered under two different dental insurance plans, then you have dual dental coverage. Dual dental coverage typically occurs when you have two jobs that each provide dental benefits, or you are covered by your spouse’s dental plan in addition to your own.

Is dual dental coverage worth it?

Can you have two dental plans? You can have two or more dental insurance policies, though it isn’t necessary. If you are fortunate enough to enjoy dual coverage, it can help you save on out-of-pocket costs, avoid lapses in coverage, and feel covered in the case of a dental emergency.

How does dual coverage work?

Dual coverage: You each sign up for coverage from your employer and you each cover each other, or the entire family, on your plan. This is called dual coverage. It will be more expensive to have two plans but it might provide more coverage in some cases.

Can you use 2 insurance plans for orthodontics?

5. Can I have dual coverage for braces? The answer is yes in most cases but there are a few rules insurance companies follow when determining primary vs. secondary and you want to make sure your plan allows for standard coordination of benefits.

What does no dual insurance mean?

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.

What does no dual COB mean?

Page 7. Non-Duplication COB. reduces/relieves the carrier from reimbursing any benefits. for services paid by another plan. If primary paid the same or more than what secondary carrier would have paid ( had they been primary), then second carrier is not responsible for any payment at all.

Can you be double insured?

While it sounds confusing, having dual insurance like this is perfectly legal—you just need to make sure you’re coordinating your two benefits correctly to make sure your medical expenses are being covered compliantly.

Can I have two health insurance plans?

It’s not illegal to be dual insured, but it can make claiming more complicated. For example, if you needed medical care abroad and had two travel insurance policies that could payout for the claim, you won’t get double the money. Instead, the insurers would decide how they will split the bill.

Is it smart to have two health insurance plans?

Having two health plans can help cover normally out-of-pocket medical expenses, but also means you’ll likely have to pay two premiums and face two deductibles. Your primary plan initially picks up coverage costs, followed by the secondary plan. You might still owe out-of-pocket costs at the end.

How do you determine which insurance is primary and which is secondary?

The “primary payer” pays what it owes on your bills first, and then sends the rest to the “secondary payer” to pay. The insurance that pays first is called the primary payer. The primary payer pays up to the limits of its coverage. The insurance that pays second is called the secondary payer.

What does dental insurance write-off mean?

If the dentist is an in-network dentist with the plan, the dentist might not be allowed to bill the patient the balance between their usual fee schedule and the plan’s contracted fee schedule. The difference between the practice fee and the plan’s contracted fee would be considered a write-off.

What is non dual coordination of benefits?

With non-duplication of benefits, the primary carrier pays its portion first and the secondary carrier, instead of paying the remainder, calculates what it would have paid if it were the primary carrier and subtracts what the other plan paid.