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Most likely it won't be your best bet or your best value. If you have maxed out your dental insurance and are looking for a way to save on the rest of your dental procedures you are better of going with a discount dental plan. The market is really flooded with them right now but I can make a couple of suggestions.

If you maxed out your dental insurance you probably used the limit of $1,000, $1,500 or maybe $2,000 if you had a really good plan, but you were probably paying a good amount per month $20-$30 and in the end you are going to pay even more out of pocket.

With a discount plan there is no max, you simply receive a discounted rate on each visit, typically this savings is up to 50%. There is a lot of math involved but trust me, sometimes these discount plans can be a much better value.

Families can be covered by more than one dental insurance policy, there are state rules for which policy pays first called coordination of benefits (CoB) if both are group policies, i.e. coverage provided through employment or an association. CoB was developed by state insurance regulators to streamline the payment system for consumers and to assure that insurance does not pay more than 100% of the cost of care. Generally, the states follow the model guidelines of the National Association of Insurance Commissioners which are based on who is covered and how they are covered. It gets fairly complex, but basically the person that is named on the policy is primary. If children are named on both parents policies there are variety of rules that might be applied in your state from the policy in effect the longest as primary to the parent with the birth date the falls earliest in the year. The primary policy pays first and the secondary policy pays based on what was paid by the primary policy. The Insurance Department in your state may have the basic rules posted on a website or have a consumer advocate that you can contact for details. If one or both of the insurance policies are individual policies, then the coordination rules do not apply. If the policy is a discount card rather than insurance, CoB also does not apply.

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15y ago
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15y ago

Using two dental insurance plans is typically not the best way to go. You'll end up paying more than necessary. If you've maxed out your current insurance you'll want to look to a discount dental plan as an alternative, there are a bunch out there.

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15y ago

As long as the husband enrolls the wife and vice versa you will have what is called secondary coverage. Now the husband will be his own primary and the wife will be secondary and the wife's plan will be her primary and the husband her secondary. In the case where there are any dependant children that are enrolled in both plans the older of the two parents will carry primary and the younger parent will be secondary.

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Q: If husband has dental insurance and wife has dental insurance can you double up insurance?
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What do you understand by double insurance?

Double insurance is when you have something insured by two companies like when a husband and wife both have medical insurance on each other.


Which insurance is primary for the husband when the husband and wife each have insurance through their jobs and husband is covered by the wifes insurance as well?

The husbands own insurance would be primary, and his wife's would be secondary.


Can husband cash in wife's insurance policy?

If the husband is the nominee of the wife's life policy,and in case of later's eventuality, he can claim the insurance proceeds and the Insurance Co. is legally bound to pay to the nominated husband.


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How do you make your ex husband drop you off your joint life insurance?

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What is primary and secondary dental insurance?

If a husband and wife both have dental insurance through their employers, the employee's insurance is primary when the employee is the patient, and it must pay it's benefits. The spouse's insurance is secondary, and will only pay once the primary insurance has paid. Depending on how the policy is written, sometimes the secondary insurance will pay any residual fees up to the annual maximum. Sometimes the secondary insurance only pays if their fee schedule allows higher fees than the primary insurance. This assumes that each spouse is named as a dependent on each other's policy. Ask the insurance coordinator at your dental office to what benefits are available between the two policies.


Can a wifes maternity expenses be covered by the husbands insurance if her insurance does not have coverage?

If you both have coverage the wife's policy will be primary, and the husband's will be secondary - provided the wife is covered under the husband's policy. Submit the unpaid claims to the secondary carrier.


If a wife loses her health insurance can she force her husband to add her to his policy which covers spouses at no extra charge until she has her own again?

I think if a wife loses her health insurance, she should not have to force her husband to add her to his policy, the husband should have added her from the beginning, cost or no cost.


I need dental coverage for my wife and kids, I am on medicare myself but I want to pay for a plan for them full dental coverage what plan do I need?

You have to get supplemental dental insurance plan. For that, you have to contact the local dental insurance broker. You could also consider a discount dental plan. Great alternative if insurance doesn't work out for you. Covers the entire household. For more info, check out http://www.mybenefitsplus.com/rswetz