How many dental plans can you have all together?
Lots of people own two of something. They may have two cars. They may be dual citizens. A sizeable amount of them have way more than just one credit card. The reason for this is that it gives them many more options at their disposal than having just one of something. Having more than one way to do something is always good, isn’t it? There can be rewards, too. So what would be the benefit of having two dental plans?
Primary Vs. Secondary
The first of the two plans is called the primary plan. The other one is called the secondary plans. Usually the people under the secondary plan are dependents, often like children. The primary plan operates as if there’s no other insurance involved, even if it’s from the same insurance company. It pays first and then the second day one follows suit. They do this so that there’s no overlap or any overpayment, which can be a very real possibility when it comes to these things. If you’re not sure which would be the primary or the secondary you should contact the insurance company or companies and find out for sure.
Not Like Shopping At A Store
Having two dental plans – three seems to be out of the equation – is not like having two coupons at a store. It’s not like you’d be entitled to having four dental cleanings a year as opposed to two of them. Your teeth would look REALLY great, but that’s not how the plans work. You can’t apply one dental plan to having dentures made, where you pay 50% of the cost and then have the other dental savings plan pay the other 50% of the price. The secondary plan might pay SOME of it, but it’s not going to be the same amount as the primary one. They do try to get it so that 100% of certain things are covered, but that may not be the situation.
Why Do It At All?
Then why would people get two dental plans if that’s the case? It might seem like one could be throwing good money after bad, but there are some benefits of doing it. Overall, you could wind up saving on out of pocket expenses, which could be a lifesaver with major restorative work, though you do have to take into consideration what state you reside in, since those benefits can change from state to state, especially when it comes to Medicaid, Medicare, and Workers’ Compensation.In terms of payment order, Medicaid tends to be processed last, Be sure to read up on the literature for your state before making a decision with any of those in the picture. You wouldn’t want a nasty case of sticker shock down the road.
It seems like a lot, doesn’t it? Don’t get stressed, though… you might start grinding your teeth, which would necessitate dental work. Dr. Joseph Zicchino and his great staff at Coastal Dental will work with you on your insurance situation regardless of how much coverage you do or do not have. You can have everything from cosmetic dentistry, like teeth whitening, to treatment of periodontal disease.