Thursday, February 24, 2011

can i use 2 dental insurances for the same visit? if so then how does that work?

i want to know how this would work as far as what i should expect to pay out of pocket and what not
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The dental office can handle this a couple of ways: You may not have to pay anything up front, and the office will submit the claim to your primary carrier. After that payment is received, a copy of what that insurance company paid will be attached to the claim and sent to your secondary insurance company. If the bill was $100, and your primary insurance company paid $50 and the secondary insurance company paid $30, your personal balance would be $20. Some offices do not want to wait for the insurance payments, so you'll have to pay up front and either they will submit to the insurance companies for you or you will have to do it yourself. Another option would be to pay the balance after the primary carrier pays thier share, and then you can be reimbursed by the secondary insurance carrier. If the dentist is 'in-network' with either of the insurance companies, there's a chance that some or all of the remaining balance may be written off.... Hopefully the first scenario is how your dental office handles patients with double insurance.... that's how we do it. :)
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