A: The plan that pays first is considered the primary plan. This is determined by COB, which is usually dictated by state and government regulations. The secondary plan is the plan that the patient is covered as a dependent.

Can you share dental insurance?

You can either keep both plans and combine benefits to retain dual dental insurance, or choose one of your employer’s plans to cover both of you (if you’re both eligible). Figuring out which option is best will require a cost comparison of premiums, deductibles, co-pays and coverage options.

Can I add my boyfriend to my dental insurance?

You can add anyone within your household to your discount dental plan (including children away at school or parents in nursing facilities). Even a roommate can be added if you want.

Can I let my girlfriend use my dental insurance?

Since there is no legal financial obligation between yourself and your girlfriend, she cannot be added to most health insurance policies. The exception to this might be if you live in a state which recognizes common law marriage or domestic partnerships.

Can a person have two dental insurance plans?

Dual dental coverage: can I have two dental insurance plans? What is dual dental coverage? If you are covered under two different dental insurance plans, then you have dual dental coverage.

Do you have to have dental insurance for both parents?

Children may also be covered on both parents’ dental plans. Having dual coverage does not mean that you have double the benefits, rather both insurance companies work together to coordinate who manages and pays for your dental care.

How does dual dental insurance work for children?

Children with dual coverage fall under the birthday rule. This means that the parent with the earliest birth month and day (excluding year) provides the primary coverage. Other factors such as court orders may preclude the birthday rule.

What does it mean to have double dental insurance?

You may have coverage from your job and additional coverage from your spouse’s plan. Children may also be covered on both parents’ dental plans. Having dual coverage does not mean that you have double the benefits, rather both insurance companies work together to coordinate who manages and pays for your dental care.