Additional dental insurance

[Promomx2]

DH's work gives us dental insurance but I just found out ds15 will have to get braces for the second time. So we maxed out the insurance last time. Is there a supplemental dental insurance that we can purchase that will at least pay part?

 

[ajjollie23]

don't know, but if you find anything can you let me know I am having some of the same dental insurance problems. I had some shotty work done by a previous dentist that all needs to be fixed now. great right, you trust these people and they do junky work just to get some $.

 

[here757]

DH's work gives us dental insurance but I just found out ds15 will have to get braces for the second time. So we maxed out the insurance last time. Is there a supplemental dental insurance that we can purchase that will at least pay part?

my sons dentist was telling me that it doesnt work like health insurance..
for example. my son has 2 health and 2 dental.
when i take him to the doc.. his fathers insurance pays first. then my insurance picks up the tab.. we are now military.

they were telling me that the first insurance will pay up to their limit. then the second will pay up to their limit..
lets say the braces cost 5000..( i just made that up.. no flames)
first ins pays 2500. the second will only pay a percentage of the balance. 2500. they told me its usually a very small amount . varies by policy im sure.. call the office and ask

 

[mandalyn]

You may be able to purchase an individual dental policy. Some polices however may require a waiting period before it will pay for certain services. As fas as how the dual insurances pay as Here757 is referring too, it depends on how the coordination of benefits is administered with your current dental carrier, however that shouldn't be an issue as your son has already used his lifetime maximum on his first ortho treatment I would assume, so your husbands insurance would deny the claim and then your supplemental would pay whatever amount was eligible.

 

[3boymthr]

With different carriers you may be able to get double coverage but whatever you do don't pick up secondary coverage with the same insurance carrier they will deny the claim.