Whose Dental Insurance is Primary? Find Out to Save Money Now
If you have ever had the unfortunate experience of needing to find a new dental insurance policy, then you are probably wondering whose dental insurance is primary. There is a simple answer to this question; it depends on whether or not you are an inpatient. For those that are not, here is a look at what your options are and what they may mean. You may be surprised by what you learn.
For those patients who are in a long term insurance plan, finding out whose dental insurance is primary can have a dramatic effect on their budget. This is because insurance plans are designed to pay a portion of a patient’s bill prior to that patient seeing the dentist. The reason for this is to create a reduction in the overall cost of treatment over time. Patients that stay on their plan for a year can often see a substantial savings in their overall dental care premiums. This savings is because they no longer have to pay the full amount of a treatment that costs them several hundred dollars.
The same is true if you have an individual plan. The reason is that most insurance companies will charge a higher co-pay rate for preventative care. Preventive care includes tooth brushing, flossing and other services that are designed to reduce the buildup of plaque and tooth decay in the mouth. For those whose dental insurance is primary, these preventative services can end up costing them hundreds of dollars each year.
In addition to their monthly dental fees, some patients may also find themselves subject to a waiting period. This means that they must wait a specific amount of time before they can get their teeth cleaned. This varies depending on the insurance provider, but in many cases people will need to wait six months or more before they can go to the dentist. For some it is just inconvenient, but for others it can be financially debilitating. For those whose dental insurance is primary, this waiting period can be very detrimental.
There are other things that can cause a person to wonder whose dental insurance is primary. If you plan to change jobs or switch from a private plan to a government one, you could face a waiting period for your coverage to change. Most private plans only allow you six months to a year, while some government plans will allow you as much as twelve months to change health plans. With the government plans, you will probably have to pay more for any waiting period that you face.
Those whose dental insurance is primary are often stuck paying for a costly dentistry bill that is not always covered by their primary plan. Even when their coverage does include a dentist, there could be a large copayment or coinsurance that they have to pay. If you have a large bill that needs to be taken care of, you may want to look into getting a secondary plan that will allow you to choose the best dentists and get the best care at a price that you can afford.
If you feel like you are paying too much for your dental coverage, you should definitely ask your dentist if there is another policy that could be cheaper. While most people would assume that this would not apply to them, it often does. In fact, many dentists will gladly change insurance companies on your behalf if you will let them. They do not charge a fee for switching and usually will give you a discount for doing so. If your primary plan is not accepted, changing to a different policy may be the easiest thing for you to do.
Those whose dental insurance is primary may also face a higher co-pay if they go to an emergency dentist. Because dental emergencies are so expensive, people who have this type of coverage may save money by going to a different dentist, or even getting a referral in the first place. If you think that this would affect your ability to pay, call your provider and see what your options are. You may find that switching plans are cheaper and that you will still be able to get great dental care.