Can I use two different dental insurances?

Question

I have Blue Cross Blue Shield and it covers dental as well as health, then I also have Delta Dental which is dental insurance only. Can I double up on insurance to save me some money?

Answer 1

It depends. Are they HMO or PPO? If both PPO or one PPO and one HMO, yes you can use them both. If both HMO however, it doesn't do you a bit of good.
I have 3 insurances on my daughter for dental. Her dad has a PPO for her which covers most of it, and my HMO pays a bit more of what the PPO didn't. My 3rd insurance was free, but also an HMO so it doesn't pay anything else.
If your cost for the insurance or very low (under $10 a month) for having the second insurance, you will probably save some money.
See what each covers, what they each pay for say a filling, and you can see what you would save.
Also consider if you really NEED 2 insurances. I only did it because I am covering orthodontics on my daughter which would have cost $800 after the PPO paid it's share, but now only costing $100 with the second coverage and I only pay $120 a year (or about $240 for the 2 years she will have braces) so I'm still saving about $450.00 total.

Answer 2

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RE:
Can I use two different dental insurances?
I have Blue Cross Blue Shield and it covers dental as well as health, then I also have Delta Dental which is dental insurance only. Can I double up on insurance to save me some money?

Answer 3

yes you can use as many as you want. Call each insurance company to see how they coordinate (pay) with other insurances. Some insurance companies do not coordinate with any other insurance which means they will pay 1st no matter what. If that is the case then you can file the claim with the other insurance and have the check sent to you or to the dentist. Some insurance companies coordinate with others to pay up to 100% of the bill.

Answer 4

You can have as many insurances you want on anything. It is totally legal, but the insurance companies must know about the other. You simply can not gain from a accident. For example if you get your teeth punched out, and costs 10,000 dollars. There is a clause in your contract on how both insurance companies will pay for the 10,000 dollars.

Answer 5

There's something called Coordination of Benefits - in which one insurance has to be determined to be the primary carrier. (You're often able to submit anything denied by the primary carrier to a secondary insurance, but most practices will not submit to secondary for you - it's your responsibilty.) If you lie to each plan and tell them that they're each your primary carrier when the Coordination of Benefits is requested, and they each pay the claim and find out about the other after the fact, not only will you have to pay back the money, they can prosecute you for fraud.

Answer 6

you can have dual coverage for dental procedures, However, your two plans will only coordinate UP TO the best of the two benefits. Dual coverage is NOT double coverage. This is a common misconception.. My advice is - if you are paying for both plans - cancel the lesser of the two benefits and be covered only on the best plan.

Answer 7

You submit to one insurance first, see what they cover. If they cover some or none of the procedure, submit to the other insurance. If one insurance picks up the whole bill. do NOT submit it to the other insurance company. (that is "double billing"..which is fraud)

Answer 8

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Answer 9

sure you can do it.
and if you get caught, and there is a penalty. I hope you are ready for it. the companies usually have policies for this. you should ask them.