Can I be covered by my dental insurance plan and also at same time be covered by my wifes dental plan. They are different companies. I need a lot of expensive work done and only allowed 1000 dollar benefit on my plan. 2,500 dollars on wifes for a total of 3,500 if carry both insurance plans. Can this be done?
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To have 2 dental insurances can be beneficial. The first thing you have to find out is if your wife's dental plan will "coordinate benefits". What that means is will the secondary plan pick up the difference that your plan will not? If they do not "coordinate benefits", then you will still have to pay your patient portion for work that is done until you run out of your yearly maximum. Then and only then will your secondary insurance kick in. The good news either way is that you will have $3500 to go towards dental treatment instead of $1000. Your dental office financial coordinator should be able to answer this question for you as well. Once they have all the insurance information they will also be able to give you a better breakdown of what you would owe for treatment provided. Hope this helps.
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