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That depends on how the policies are written. Some policies state that when there are two dental insurances, the employee is primary and the dependent is secondary. Other policies state that the person whose birthday falls first in the year is primary.
Your best option is to either discuss this issue with your Human Resources department at work or discuss it with the individual who handles insurance claims at your dentist's office.
***Birthday rule only applies to covered children of a married or cohabiting couple. If the parents live in separate households, custody rule or divorce decrees override the birthday rule.
The policyholder will be the primary carrier if both policies are full-time employment policies. If one of the policies is retirement coverage, the retirement coverage would be secondary. In your case, your insurance is primary for you and your husband's insurance is primary for him.
What else can I help you with?
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.
My husband and I are seniors. Which is better for us, a dental insurance plan or a dental discount plan?
Dental insurance may be very expensive. If you have a history of not having many dental problems then a discount plan may be better for you and your husband.
Can you be covered by delta dental and aetna dental at the same time?
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.
Can my husband and I obtain dental insurance from blue cross/blue shield?
Blue cross and blue shield do offer dental insurance.
Where are some of the places that one might compare dental insurance?
Dental insurance can be compared online directly through dental healthcare providers or through third party sites such as Dental Insurance Review 2013.
What if your husbands dental insurance doesn't cover crowns and you can get dental insurance through your company does he have to drop you from his?
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!
Who is responsible for orthodontics?
If you and your ex husband are lucky enough to have Dental Insurance at work then both of you are responsible. If your husband has some insurance that covers this work then he should pay for it, but if he doesn't have coverage for dental then you both should split the difference. Marcy
Can you purchase dental insurance if you have existing insurance through work?
Yes
When preventive dental work is done is it deducted from your insurance maximum?
Any payment for dental work depends on your insurance coverage because there are many different dental insurance policies. You should read through the information for your dental insurance policy. You could also contact the agent responsible for your dental insurance policy.
Husband has hmo dental insurance and i have delta dental does this mean we have dual coverage?
It means you each have a different insurance company. If you had both HMO dental coverage and Delta Dental (and the veteran in me has to ask: "for God's sake, WHY Delta Dental?") active at the same time, that would be dual coverage.
Can a dental office bill a secondary insurance company after the primary HMO lists the service as no charge?
Why not? What are the terms of the 2nd Insurance?
How can one get a medical and dental insurance?
The most common way to get medical and dental insurance is through one's employer. However, one can also get medical and dental insurance directly from many insurance companies by going to their website or calling them.
