Where do you get supplemental dental insurance?

Answer

They're not insurance, but Discount Dental Plans are available from a number of reliable companies. Monthly costs are significantly less than insurance, and you receive discounts on virtually all services and procedures at the dentist. Because dentists have to agree to accept the reduced fees from members of the plans, there are certain ones you have to go to. The location of available dentists can vary greatly from one geographical area to another, so it's important to find out where they are in your area. For more information about dental and medical discount plans, Search Google To find other companies who offer discount plans, do a Internet search for "dental plans."

Answer

If by supplemental, you are looking for "individual" dental insurance, the National Association of Dental Plans site has a directory of companies that offer dental insurance that can be searched by state. You can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan (not insurance but a discount off the dentist fees who are part of the discount network).

Answer

Actually, there are situations when two dental insurance policies will pay on a procedure. What you need to look at is whether the policies have a non-duplication clause which would prevent "double" payment. Most policies have a "coordination of benefits" or CoB provision which is regulated by the state. The CoB provision determines which policy pays first and assures that no more than the actual charge is paid by insurance, i.e. that payment is not greater than the cost.

To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan (not insurance but a discount off the dentist's fees who are part of the discount network).

Answer

I just called an Health/Dental Insurance provider about that matter and they tried to explain that I can/should not have two dental Insurances, since only one will pay. At my question to her that I am only interested in supplemental dental insurance they explained they have not heard of such. But they do know of a dental discount card where you have to be a member ( means member fee)and then you could if you dentist is participating in that particular program get a 10 % refund of your co payment. Anybody with more info's? Thanks, Caroline.

Answer

Yes, you may have double coverage that combine together to may 100% of the cost of the crown. However, you can NOT make money on insurance. If you need a root canal and it's covered at 80% then the primary coverage (if your the subscriber) will pay 80% and the secondary plan (spouses plan) will pick up the other 20%.

Answer

I file insurance daily and have never seen it work the way the previous answer states. Usually the second company will only pay a smaller portion not cover the remaining 20% in full.

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