If you are covered by two dental insurance plans, which also called "dual coverage." . This does not "double" your coverage. However, it may reduce your out-of-pocket costs.
The plans set forth rules to determine which plan pays first, ("primary") and which plan pays afterwards ("secondary"). The general rule is that the plan that covers you as an enrollee is the primary plan and the plan which covers you as a dependent is the secondary plan.
For example, if both of your plans provide two cleanings a year, each with 80 percent coverage, then:
- You would not be entitled to four cleanings a year.
- The primary plan pays its benefit as if there is no other insurance
- The secondary plan will act as a supplement to the primary plan with its payments limited to the lesser of its normal benefit or the patient’s out-of-pocket costs under the primary plan.