How to Use Two Dental Plans
Instructions
-
-
1
Determine your primary and secondary plan. Your primary plan lists you as the enrollee, while your secondary plan lists you as a dependent. Children's coverage is based on the parent's date of birth, with the oldest parent carrying the primary insurance on the child.
-
2
Fill out all claim forms completely. List your other insurance plan in the additional coverage section of your claim. This helps to determine which company is responsible for which service as described in the benefits section.
-
3
Submit your dental claim to the primary carrier first. Once the claim is accepted and paid, submit the claim to your secondary insurance with the payment information from your primary company. Make sure your secondary insurance will allow for additional payments on your dental visit, as some will not if the primary carrier has paid more than your secondary carrier's maximum dollar limit for the procedure.
-
4
Pay any outstanding balances not covered by insurance. Most dental offices will offer a payment plan for patients on a tight budget.
-
1