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A Guide to Secondary Dental Insurance

A Guide to Secondary Dental Insurance

Like health care, dental care is a fact of life. You’re going to need it, and it’s probably going to be expensive – especially if you don’t have insurance. But many people have learned that just having one insurance policy isn’t enough. Sometimes you find out that your dental insurance won’t cover much, if any, of a necessary procedure. Other times you find out you’ve reached your maximum annual coverage allowance right when you’re in desperate need of a filling or crown. It’s times like these you may begin looking into purchasing a secondary dental insurance plan. Secondary dental insurance plans provide individuals and families with additional coverage in conjunction with their existing primary insurance plans to save you money on dental care.

Secondary dental insurance plans are great options for individuals on Medicaid or Medicare because a secondary plan can cover other common things like dentures and fillings which these programs do not usually cover. Secondary dental insurance plans are also great if you have employee provided coverage, but that coverage has low annual limits. If you have a large family, these limits can be reached quickly in the short span of a year, leaving you to pay additional out of pocket expenses unless you have additional coverage.

Secondary dental insurance plans are not the same as secondary medical insurance plans. With medical insurance plans, policy holders are able to combine both a primary plan and a secondary plan and use them to cover the costs of a single procedure. However, with dental plans, this is not the case. While individuals are able to hold more than one dental insurance plan, these plans cannot be combined to cover one procedure. Instead, one policy can be used per procedure.

This is why it’s important to know exactly what your primary dental plan covers before looking into purchasing a secondary dental insurance plan. This will help prevent policy overlap, so you won’t pay for benefits you already have, and it will help make sure you’re covered for everything you might need. If your primary policy doesn’t cover various procedures, you’ll want to know exactly what those are so you can make sure your secondary policy does cover them.

You can also purchase discount dental plans as a form of secondary dental insurance. These plans can often save you more money on a procedure than your insurance plan will. These plans mean you’ll be charged at a discount, so you can use them to save money after you’ve reached your yearly coverage limit, or during any waiting periods. You can also choose based on which plan will save you more, but you’ll want to make certain that you let your dental care provider know when you make your appointment which policy you’d like to use to cover your procedure.

Dental care can cost and arm and a leg if you’re not properly covered, but primary dental insurance plans often aren’t enough to cover all expenses. If you have a large family, poor employee provided dental benefits, or your procedures aren’t covered by your primary dental insurance plan, choosing a secondary dental insurance plan or a discount dental plan might be a great option for you.

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