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.
Yes, you can be covered by multiple dental policies. There will be one insurance carrier as your primary insurance and the second insurance carrier will be your secondary insurance.
Why not? What are the terms of the 2nd Insurance?
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.
first you should obtain the explanantion of benefits from your primary. it should indicate what the write off amount is. if you're not sure, call the insurance company and ask them. then do the same with your secondary. the secondary insurance will consider the amount allowed by the primary and will usually base their benefits on that. if you are lucky, between the two, you should have little out of pocket expenses.
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.
Yes. By your contract with the secondary insurance you are required to write-off the discount
Primary insurance coverage is what is first used when a medical service is being rendered. This is what will be billed first. Secondary insurance is supposed to cover what the primary insurance does not.
Yes
Some will. Check with the secondary insurer.
Absolutely not. However your husbands policy would become your secondary insurance and you would hold your own primary insurance. Make sure you check with each insurance company to verify that the offer coordination of benefits on what is considered major work!
You cannot decide which insurance is primary and which is secondary. Their is nothing you can do to determine this. Within each policy it specifies when each policy is primary or secondary. With Medicare, it is always going to be secondary to insurance provided by an employer or retirement plan.