How to Use Two Annual Maximums for One Major Procedure

Dental insurance can sometimes be confusing, especially for big procedures like crowns, bridges, or root canals. There is, though, a smart trick for maximizing your coverage: using two yearly limits with two different plans for one procedure. It is done, often known as double dental coverage, to help you maximize your coverage and reduce out-of-pocket expenses while you get the treatment that you need.

Most people are unaware that two dental plans may be coordinated. You or a family member may be covered by more than one plan – perhaps from your employment and your spouse’s employment and you can plan to combine the benefits strategically. You then become capable of having access to more coverage than either separate plan by itself.

Coordinating Two Plans Effectively

To benefit from double dental coverage, it is helpful to be familiar with both plans’ regulations. One plan is typically primary insurance, paying first, and the other pays for eligible costs not covered by the first plan. This coordination requires close documentation and communication with your dentist’s office so claims are filed properly.

Dentists who have experience with insurance coordination can guide you through it step by step. They can review your benefits, determine the optimal sequence of claims, and arrange the procedure so that it uses up both plans’ annual maximums within a span of two years.

How to Plan Across Two Years

If your major treatment crosses two calendar years, you are able to sometimes divide the treatment to maximize benefits. For example, beginning part of the procedure towards the end of one year and finishing it early the following year lets you utilize the annual maximum for each year. Scheduling within your dental insurance time frame allows you to utilize both benefits effectively.

Keep in mind that most insurance programs have a “use it or lose it” policy, so timing coordination is crucial. By planning, you ensure nothing goes to waste and your dental benefits are maximized.

• Check both plans’ coverage limits and policies
• Coordinate with your dentist’s office to file claims correctly
• Consider dividing treatment across two years to take advantage of annual maximums

Keep track of timelines so as not to lose unused benefits

It is not hard to operate under double dental coverage, but it does require planning. The payoff is lower out-of-pocket costs and a no-nonsense method of completing necessary procedures without the concern for money.

Don’t wait to see your options. If you have more than one dental plan, ask about double dental coverage and plan your major procedure strategically. We can help you get the most from your dental insurance at A Street Dental and maintain your smile healthy and strong. Make your appointment today and take full advantage of your benefits.