Contact Us

Finding a nice paying job with good benefits is definitely not an easy thing to do these days especially with the whacked up economy that we have right now. If you have a good dental plan, then things such as root canals, teeth cleanings, and fillings will all be very affordable. So if having one dental plan can help lower down the costs of dental procedures a great deal then imagine what having more than one dental plan can do for you.

To answer the question of whether or not it is possible for a person to have more than just one dental plan, the answer to that question is “yes.” A person is allowed to have at least two dental plans at one time. This is called having “dual coverage” and while it may not actually double the benefits that you can get from each of your plans, it can help lower down the cost of your monthly premiums.
Here are some ways that you can get dual coverage with your dental plans.
 

On Your Own
 

If you have the finances to back up spending for another dental plan, then you can pretty much opt to have dual coverage on your own. If the company that you work for has a dental plan that you are not satisfied with, you can proceed to either purchase subsequent plans or get your very own dental insurance. Note that purchasing a new dental plan will be a bit pricey, so make sure that you will be able to financially support your decision.
 

Through Your Parents
 

You can only do this if you are under the age of 25 because if not then you will not be qualified to receive dual coverage this way. Both of your parents will have the option of adding you into their dental plans. Once they do this you will be able to take advantage of the benefits offered by dual coverage.
 

Through a Spouse
 

Having a full time job usually means that you already have a dental plan. However, the dental plan that your company offered you might not be enough to cover most of your dental costs, especially if you have kids. If the plan from your employer is not enough to provide coverage for all of your dental expenses, you can still benefit from your spouse’s dental plan assuming that his/her plan has the option of adding you. Once he/she adds you, you will be able to enjoy having dual coverage.
 

Some Additional Info About Dual Coverage
 

Dual coverage has a special clause called the non-duplication of benefits clause. This clause states that your secondary plan will not be entitled to pay for any benefits if your primary plan has already paid off the exact amount or more than what your secondary plan allows for the participating dentist. It is also interesting to note that in a dual coverage, your primary plan will still pay off its benefits as if you still had single coverage only.