Understanding Secondary Dental Insurance in 2021

When it comes to dental insurance, it’s not uncommon for people to try and find various options that will help to cover their dental expenses. While some people opt for single dental insurance policies, others prefer to have both primary and secondary dental insurance policies. Secondary dental insurance is an extra dental insurance policy that works alongside your primary dental policy to cover some of the dental costs that aren’t covered by the primary policy. Secondary dental insurance can be an excellent option for people who need extra dental coverage, especially those who have high dental expenses.

What is Secondary Dental Insurance?

Secondary dental insurance is an additional dental insurance policy that is purchased on top of your primary dental policy. The secondary policy works alongside your primary policy to pay some of the dental expenses that aren’t covered by your primary dental policy. For example, if your primary dental policy covers 50% of the orthodontic care costs, your secondary dental policy could step in and cover the additional 50% of the costs that your primary policy didn’t cover.

Basically, a secondary dental insurance policy helps to fill the gap that is created by the limitations of your primary policy. Secondary dental insurance policies can provide a range of coverage options that aren’t available in the primary policy. The secondary policy can help to pay for expenses like copayments, deductibles, and other costs that aren’t covered by your primary policy.

How Does Secondary Dental Insurance Work?

As mentioned earlier, secondary dental insurance works with your primary dental insurance policy to cover some of the dental expenses that your primary policy doesn’t cover. If you have both primary and secondary dental insurance policies, your dentist will bill both policies for the dental services that you receive.

Your primary dental insurance policy will be billed first, and then your secondary policy will be billed for any remaining costs that your primary policy didn’t cover. In some cases, your secondary policy may require that your primary policy pays a certain amount of your dental expenses before it kicks in to cover any leftover costs.

What Are the Benefits of Secondary Dental Insurance?

Secondary dental insurance provides several benefits, including:

1. Cost Savings

Having a secondary dental insurance policy can help to save you money on dental services. The secondary policy can cover some of the dental expenses that your primary policy doesn’t cover, reducing the amount of out-of-pocket expenses that you have to pay.

2. Increased Coverage

Secondary dental insurance can provide additional coverage options that aren’t available in your primary dental policy. For example, your primary policy may not cover orthodontic treatment, but your secondary policy may cover it.

3. Comprehensive Coverage

Having both primary and secondary dental insurance policies can provide comprehensive coverage for your dental needs. With two policies, you can access a wider range of benefits and coverage options.

Overall, secondary dental insurance can provide an extra layer of protection and peace of mind for your dental health. It’s an excellent option for people who have high dental expenses or those who need additional dental coverage.

FAQ

1. Can you have both primary and secondary dental insurance?

Yes, it’s possible to have both primary and secondary dental insurance policies. In fact, having both policies can provide comprehensive dental coverage.

2. What does secondary dental insurance cover?

Secondary dental insurance policies can cover a range of dental services, including copayments, deductibles, and other costs that aren’t covered by your primary policy.

3. How does secondary dental insurance work?

Secondary dental insurance works with your primary dental insurance policy to cover some of the dental expenses that your primary policy doesn’t cover. Your dentist will bill both policies for the dental services that you receive.

4. When should you consider getting secondary dental insurance?

You should consider getting secondary dental insurance if you have high dental expenses or if your primary dental policy doesn’t provide enough coverage for your needs.

5. Is secondary dental insurance expensive?

The cost of secondary dental insurance varies depending on the policy you choose, but it’s generally affordable and provides significant cost savings.

Conclusion

Secondary dental insurance is an excellent option for people who need additional dental coverage. It provides an extra layer of protection for your dental health and can save you money on dental expenses. If you have high dental expenses or if your primary dental policy doesn’t provide enough coverage, consider getting a secondary dental insurance policy to supplement your primary policy.