Can an individual have more than one dental insurance policy to help pay for dental work?

Answer 1

Yes, you can, but it usually doesn't help. Many times, each plan will state "we pay only after other insurance pays", leaving you with two plans that wait for the other to pay first.

If you have dental work that needs to be done and costs alot out of pocket, look at signing up for a "prepaid medical savings" account, where you can deposit money from your pay on a pre-tax basis to pay for this. That way, at least you don't pay income tax on that savings.

The downside is, any money you don't use, you lose at the end of the year.

Answer 2

There are more ways dental insurance works than there are posters on Yahoo!.

The basic answer is "yes", you can have two insurance plans and I see it all the time in my job as practice coordinator. The most typical way one person gets two plans is if they cover themselves throught their own job, and they are also covered by a spouse, through their job. In this case, your own plan pays first as primary, and if the secondary (spouse's) coverage pays "standard coordination", they would pick up whatever is left over - up to the annual maximum.

Another way is if one person has two plans - usually through two jobs or one job and a military benefit. In that case, one plan is primary (typically the one that's been in force longer, but not always) and the second plan picks up any balance left over - up to the maximum and subject to deductibles, clauses, etc.

Still another way is if a person has dental insurance through their work and then buys a supplemental plan, such as AFLAC. The AFLAC pays a set amount as a secondary no matter what the primary pays.

Confused yet? I deal with this every day and have done for years, but it still baffles me sometimes.

Please do not expect your dental office to be experts on your plan. The only sure way to know who covers what is to call your insurance company (or companies) and ask them.

Answer 3

Sure , but the ones you buy yourself usually aren't worth your premium. If you have a policy through your work and your spouse has apolicy, the only thing you have to ask before buying is if the policy is a non duplicating policy. What that means is- if your first insurance pays 10 on a procedure, and the second one would have paid 10, you get nothing because the 1 st policy already paid it.

Answer 4

No. When one finds out about the other then they will just pay 1/2 of what the original cost is anyway. You can't have two insurances. The question is asked on the application and if you lie, then the policy is invalid anyway.

Answer 5

Yes, you will have to pay the deductable on each plan, then they two pans split the cost. Or at least what the plan says they pay for certain procedures.