is there any way, other than you telling them, that one dental insurance company can find out about the other? is the dentist office allowed to disclose that information?
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When they submit the bill to the primary insurance they will then submit to the other and it will show what the primary insurance paid. That's how they find out. EDIT: Then what's the purpose of having a secondary insurance then. Because if you plan on submitting to the secondary insurance yourself, they won't pay until they know how much was paid by the primary insurance.
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Thursday, November 11, 2010
How long do you have to have orthodontic dental insurance for?
If I want to get like invisalign braces, can I only have the insurace for a year until I don't need it anymore? Or do most insurances make you pay insurance for a certain amount of time?
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As a new subscriber, an insurance will often have a waiting period for anything they consider MAJOR work. (Some examples are crowns, bridges and root canals.) I am almost certain that braces would fall into that category. So, just call them up and ask--it could be anywhere from 6 mo to 1 yr, or none at all. No harm in asking, right?
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As a new subscriber, an insurance will often have a waiting period for anything they consider MAJOR work. (Some examples are crowns, bridges and root canals.) I am almost certain that braces would fall into that category. So, just call them up and ask--it could be anywhere from 6 mo to 1 yr, or none at all. No harm in asking, right?
Source
Where can I get family dental insurance in Westchester County NY for my family that is affordable?
I have a family or 4 with no dental coverage. I know some dental coverages offer discounts off of the charges, but I need to make sure that I would be saving money by paying the monthly dues and whatever the discount will be on the dentist visit. I have 2 kids 1 and 2.
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For my family we have a grea plan. www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars since on all dental services. I pay only $35 for an initial exam and $35 for cleanings. Im pretty sure that the savings may vary where you live, but they should be great. Even my braces had coverage. They even had my extremely affordable plan active in 2 hours and was able to use it the very same day. There is also a price chart of all the cost somewhere on their website so you can review the dentist in your area. Good luck and hope this helps.
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For my family we have a grea plan. www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars since on all dental services. I pay only $35 for an initial exam and $35 for cleanings. Im pretty sure that the savings may vary where you live, but they should be great. Even my braces had coverage. They even had my extremely affordable plan active in 2 hours and was able to use it the very same day. There is also a price chart of all the cost somewhere on their website so you can review the dentist in your area. Good luck and hope this helps.
Source
Whats the difference between High and Standard Option Dental Insurance?
I have been looking at High and Standard Option Dental Plans. (I work for the federal government). These plans seem to pay about the same for pretty much the dental procedures. Am I missing something? Whats the difference between a high and standard option plan?
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For the MetLife Federal dental plan.. the high option has a $3,000 calendar year benefit, standard is $1,200. There is no deductible when staying in-network, and the percentages are.. For preventive or class A both plans offer 100% coverage. For basic dental work, or class B.. high option you pay 30%, standard is 45%. And for major services or class C.. high you pay 50%, standard is 65%. These are all based on the in-network discounted rates. You also have out-of-network coverage.. but at higher percentages. I'd check with your benefits rep, for any detailed or exact information
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For the MetLife Federal dental plan.. the high option has a $3,000 calendar year benefit, standard is $1,200. There is no deductible when staying in-network, and the percentages are.. For preventive or class A both plans offer 100% coverage. For basic dental work, or class B.. high option you pay 30%, standard is 45%. And for major services or class C.. high you pay 50%, standard is 65%. These are all based on the in-network discounted rates. You also have out-of-network coverage.. but at higher percentages. I'd check with your benefits rep, for any detailed or exact information
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How much is health/dental/car insurance for a married couple (no kids) age 21 and 20?
Planning ahead... Would health insurance through our universities be cheaper? We will both still be attending college (different universities, close to each other). What would the estimated rates be per year for heath, dental, and car insurances?
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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How much can your dental office bill you if you have dual insurance?
I am having much difficulty in getting an answer that makes sense from my dental office insurance biller. I had dual insurance at the time I had services. In my experience billing medical items, we always wrote off anything that a contracted insurance provider stated we had to write off. If they had co-insurance remaining per the EOB, then and only then did we bill the secondary. 1) My dental office isn't writing off anything per the primary insurance EOB with which they are contracted. 2) The are billing different dollar amounts for the same procedures to the 2 different insurances, 3) They are trying to tell me that if the insurance didn't allow for something they can bill me more than the EOB states is my responsibility- ie. if insurance allowed for only amalgam filling vs. resin composite (I think this might be fraudulent since they are a participating provider), 4) CDA's website states only balance billing up to the lowest contracted fee, office is saying 2nd ins is controlling.
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These are actually several different questions. 1. If the primary EOB states there is a write-off, the dentist is allowed to collect that write-off from the secondary. Thus, they bill the entire fee to the secondary. 2. If, after the secondary pays, there is still an amount owing, the write-off MUST be substracted first before billing the patient. 3. On amalgam vs. composite: if the insurance plan pays for a less expensive alternative (amalgam), USUALLY the dentist may charge the patient the difference between the cheap stuff and the more expensive composite material. MOST dental offices will inform the patient of this when using composite material on posterior (back) teeth. Even a PPO contract will allow the dentist to charge for non-covered procedures (such as composite posterior fillings). 4. There are literally hundreds of ways secondary insurance can coordinate benefits when the primary provicer is a contracted PPO plan. Many dentists I know of have refused to accept secondary insurance because of the confusing way insurance companies handle this. I don't blame them. In many cases, a dental office waits up to six months to get paid. Write to me if you want more detailed information. This is sorta my area.
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These are actually several different questions. 1. If the primary EOB states there is a write-off, the dentist is allowed to collect that write-off from the secondary. Thus, they bill the entire fee to the secondary. 2. If, after the secondary pays, there is still an amount owing, the write-off MUST be substracted first before billing the patient. 3. On amalgam vs. composite: if the insurance plan pays for a less expensive alternative (amalgam), USUALLY the dentist may charge the patient the difference between the cheap stuff and the more expensive composite material. MOST dental offices will inform the patient of this when using composite material on posterior (back) teeth. Even a PPO contract will allow the dentist to charge for non-covered procedures (such as composite posterior fillings). 4. There are literally hundreds of ways secondary insurance can coordinate benefits when the primary provicer is a contracted PPO plan. Many dentists I know of have refused to accept secondary insurance because of the confusing way insurance companies handle this. I don't blame them. In many cases, a dental office waits up to six months to get paid. Write to me if you want more detailed information. This is sorta my area.
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Can someone recommend a dental insurance that i can purchase in addition to what i already have from work.?
My insurance threw work on dental has limited coverage. they only pay for one crown every 5 years but i need to get a few more crowns so i am thinking of purchasing another insurance plan or a discount card so i can get the additional work done that my dental insurance threw work will not cover since I used up the crown benifit of 1. I am in Kansas City, MO
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars on all of my dental services since. From exams, extractions, xrays, fillings, Cleanings..etc They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars on all of my dental services since. From exams, extractions, xrays, fillings, Cleanings..etc They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps
Source
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