My dental insurance maxes out at $1,000 per year. Can I also use a dental discount plan at the same time? Will one of them pick up part of the tab for where the other one left off? (Does that make sense?)
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It depends. If you submit your own claims, you can use the second dental insurance. In other words, say your dental work would have cost $1,000. With your discount program, the dentist actually charges, say, $700. If you pay the $700 to him and submit the claim for reimbursement, you will get whatever benefits you are due under the insurance. Of course, it would be easier if the dentist would both give you the discount and submit the claim to the insurance company. Some dentists might do that, but I think a lot of them would say you are asking for too much, since he is not going to get as much from the insurance company as he would normally charge, and he is already giving you the discount. It doesn't hurt to ask, of course, but you should expect the dentist to decline that, and I wouldn't blame him.
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