The general rule is that the plan that covers you as an enrollee is the primary plan and the plan that covers you as a dependent is the secondary plan. For example, if both of your plans provide two cleanings a year, each with 80% coverage, then: You would not be entitled to four cleanings a year.

Can I have two different dental plans?

Having multiple dental insurance policies is acceptable. In fact, having more than one dental insurance policy can offer you additional benefits and help you save on out-of-pocket costs. However, having multiple dental insurance policies is not necessary.

How do you fix coordination of benefits?

What’s coordination of benefits?

1. Avoid duplicate payments by making sure the two plans don’t pay more than the total amount of the claim.
2. Establish which plan is primary and which plan is secondary—the plan that pays first and the plan that pays any remaining balance after your share of the costs is deducted.

Do you have to have primary and secondary dental plans?

When you visit your dentist, you’ll need to designate one insurance plan as your primary and one as your secondary form of coverage. Select the plan that offers the greatest amount of coverage as your primary plan.

How do you use two dental insurance plans?

To use two dental insurance plans, submit your dental claim to the primary carrier first. After you receive notice the claim is accepted and paid, you can submit the claim to your secondary insurance company along with the payment receipt from the primary carrier.

How does usual customary and reasonable dental insurance work?

“Usual, customary, and reasonable” (UCR) programs usually allow patients to go to the dentist of their choice. These plans pay a set percentage of the dentist’s fee or the plan administrator’s “reasonable” or “customary” fee limit, whichever is less. These limits are the result of a contract between the plan purchaser and the third-party payer.

When is a primary insurance plan your secondary insurance plan?

Any insurance where you are the primary subscriber, and not a dependent, is your primary insurance plan. If you are covered as a dependent under your spouse’s plan, his plan is your secondary insurance plan.