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When a patient has primary and secondary insurance plans and there is a CO Bcarve out clause on their secondary plan this is what happens. Primary pays their amount and secondary subtracts primary's payment from what they were suppose to pay and pays the difference.

Example:

Primary pays 50% of a filling which cost $100.00 and secondary pays 80%.

Primary pays $50.00, secondary would pay $80.00, therefore, secondary would only pay $30.00 of the remaining $50.00.

It is a very confusing issue and I have been in dental for over 25 years and I still have a hard time explaining this to patients.

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Q: What does Carve out coordination of benefits mean in dental insurance?
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