Dual Dental Coverage? Â

Dual Dental Coverage?  

answers 0:How does dual dental coverage (both primary and secondary dental insurance) work when it comes to annual benefit maximums? For instance, I currently have dental insurance through my employer with an annual maximum of $1500. If I were to buy a secondary dental insurance policy with its own $1500 annual maximum would I then be able to have up to $3000 worth of dental procedures covered by insurance in one year? I understand that I cannot have duplicate coverage for the same procedure, but if I need a variety of procedures in one year, could I theoretically have one dental insurer cover some of them, and the other, the rest, ultimately having $3000 worth of maximum annual coverage?Thank you!...Show moreanswers 1:In principal, the answer to your question is YES; the secondary insurance should pick up what the primary insurance does not pay for BUT there are a lot of loopholes that can ! nullify that because all insurance companies would rather collect premiums than pay out benefits.Some of the conditions that will lead to less or no payment:if the procedure is not a covered expense by the secondary company although it is by the primary;if the primary paid more than what the secondary would have, then the secondary may pay nothing at all instead of paying what the primary did not pay;most insurance companies have fee schedules and will only reimburse up to a certain amount for each procedure. It is not very common for an insurance company to reimburse fees that are the same as the dentist's.So even though you have a $1500 annual maximum, that does NOT mean you will be reimbursed for that amount of dental charges. It just means that is the maximum the insurance company will reimburse you based on their fine print. Your actual expenses may be much more than that and having dual coverage does not guarantee that your out of pocket expenses will be zero....answe! rs 2:Being on disability has nothng to do with paying for dent! al work. You have a few choices. 1. Find a dental college, use a student and pay less 2. Find a low income clinic which offers dental services and pay less 3. Get a GE Money Bank credit card for medical/dental services 4. Find a dentist who takes monthly payment arrangements. Everyone likes free things but the providers dont work for free and our government cannot afford to pay them to work for you for free. Dental insurance should be purchased in advance for the future. Insurance is purchased in advance of needing services, not at the time of service, because there are waiting periods. Dental plans are cheaper than insurance but very restrictive. Check them out. Call any independent insurance agent where you live and get an idea of whats available....