Can you get supplemental dental insurance if your employer's plan is not enough?

Answer

Actually, there are situations when two dental insurance policies will pay on a procedure. What you need to look at is whether the policies have a non-duplication clause which would prevent "double" payment. Most policies have a "coordination of benefits" or CoB provision which is regulated by the state. The CoB provision determines which policy pays first and assures that no more than the actual charge is paid by insurance, i.e. that payment is not greater than the cost.

To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discounct plan (not insurance but a discount off the dentists's fees who are part of the discount network).

Answer

I just called an Health/Dental Insurance provider about that matter and they tried to explain that I can/should not have two dental Insurances, since only one will pay. At my question to her that I am only interested in supplemental dental insurance they explained they have not heard of such. But they do know of a dental discount card where you have to be a member ( means member fee)and then you could if you dentist is participating in that particular program get a 10 % refund of your co payment. Anybody with more info's? Thanks, Caroline.

I know of a great dental plan that will work good for you. it's cheap and they save you up to 80% . check it out if you want: http://www.mybenefitsplus.com/40360311

Just adding to and reiterating the above... This website mentioned above is great and often times the dentist (or providers) will accept both! - discount card and insurance. The discount card site (or free phone number) also allows you to quickly find dentists in any area and you can use your card in any state!

There is now a California state licensed dental discount plan currently available in California and Arizona. http://www.newdentalchoice.com

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