EasyDentalQuotes.com https://www.easydentalquotes.com We make dental insurance easy. Tue, 23 Apr 2019 18:52:11 +0000 en-US hourly 1 https://www.easydentalquotes.com/wp-content/uploads/2016/09/cropped-Favicon_Art-1-2-32x32.png EasyDentalQuotes.com https://www.easydentalquotes.com 32 32 How to find child only dental plans https://www.easydentalquotes.com/how-to-find-child-only-dental-plans/ https://www.easydentalquotes.com/how-to-find-child-only-dental-plans/#respond Fri, 19 Apr 2019 15:36:28 +0000 https://www.easydentalquotes.com/?p=4054 Child only dental plans for kids Are you looking for a child only dental plan? If you already have dental coverage for yourself and just need a dental plan for your minor children, a child only dental plan can meet your child’s dental care needs. While pediatric dental plans can be harder to find, we […]

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Child only dental plans for kids

Are you looking for a child only dental plan? If you already have dental coverage for yourself and just need a dental plan for your minor children, a child only dental plan can meet your child’s dental care needs. While pediatric dental plans can be harder to find, we are pleased to be able to offer you some good options and advice for finding the right solution to your unique situation.

Do most dental plans cover children?

So what’s the deal with child only dental plans? Don’t all dental insurance plans cover kids? It’s true that most dental plans will cover minor children, however most plans require the primary policy holder to be 18 or older.

Since most dental plans require an adult to be on the plan, it can be a challenge to find a dental plan that allows the primary member to be a minor under the age of 18. The good news is that there are dental plan options for children.

Child only dental plans

At EasyDentalQuotes, we’re pleased to offer several dental plan options that allow for child only policies. Currently dental plans with Amfirst Insurance, Standard Life Insurance Co, and Dentegra offer a child only enrollment feature.

Since child only plans require an adult to handle the enrollment and payment for the child policyholders, we recommend that prospective members contact us directly to learn the best steps to enroll any dependent children in a plan.

Consider dual dental coverage for parents

While there are some good options for child only dental plans, it sometimes makes sense for at least one parent to sign up for a plan as the primary member, even if they already have other dental coverage.

Most dental insurance plans allow for coordination of benefits that allow members to carry secondary dental insurance. If you already have dental coverage through an employer, then you could also carry additional dental coverage for you and your children to get extra benefits.

This strategy allows you to consider more dental carriers and plan options than the ones that offer child only policies. Plus depending on the size of your family, there might not be any additional cost to cover yourself.

Get the best dental care for your children

It’s true that most parents recognize the need to make sure their kids get proper dental care. When parents already have other dental coverage, child only dental plans can be a great fit to give your kids the dental coverage they need. At EasyDentalQuotes, we’re here to help you find the right plan options to meet your pediatric dental needs.


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How would Medicare for All affect dental insurance? https://www.easydentalquotes.com/how-would-medicare-for-all-affect-dental-insurance/ https://www.easydentalquotes.com/how-would-medicare-for-all-affect-dental-insurance/#respond Fri, 29 Mar 2019 15:16:01 +0000 https://www.easydentalquotes.com/?p=4049 Learn how Medicare for All could affect dental plans It’s that time again, campaign season for the upcoming elections in 2020. As we approach the election season, there are many presidential candidates and members of Congress who are supporting a new Medicare for All program. We’ll take a brief look at what is proposed and […]

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Learn how Medicare for All could affect dental plans

It’s that time again, campaign season for the upcoming elections in 2020. As we approach the election season, there are many presidential candidates and members of Congress who are supporting a new Medicare for All program. We’ll take a brief look at what is proposed and how it could affect dental care.

What is Medicare for All?

The term “Medicare-for-All” was made prominent by Senator Bernie Sanders as he has lobbied for a single payer system for medical that would create universal health coverage. After Democrats took control of the House of Representatives in 2018, Congressional leaders have also introduced their own version of a Medicare for All bill.

While there are differences in the two versions of the bill, this proposed legislation is designed to enroll all US citizens in the Medicare program that currently covers seniors who are aged 65 or older. This would result in the elimination of the private health insurance system, while turning over control of medical coverage to the federal government. All US residents would be eligible for the program.

Does “Medicare for All” include dental?

What about dental care? The current version of Medicare that covers seniors 65 and older does not include coverage for routine dental care. However the new versions of a Medicare for All program envision a much more robust set of benefits and services including dental care.

The covered services include most necessary medical care with no deductibles, copays, or cost sharing. The bill also proposes to include benefits for dental, vision, and hearing care, which are not covered services in the current Medicare program.

Obviously if the Medicare-for-All bill were to gain enough support become law, then it would likely disrupt the dental insurance market as the government would take over the financing of routine dental care. However we don’t know the specifics of what dental services the program would cover and at what levels.

While the current versions of the legislation include dental coverage, it is entirely possible this could be adjusted in the future, especially if cost cutting to the program is needed in order to win support for the bill.

Will Medicare-for-All be passed?

Currently the support for “Medicare for All” has been strictly in the Democratic Party. Republican leaders have favored reforms to the existing private healthcare markets. It is clear that this will be a major topic for presidential and congressional candidates in the upcoming elections. The result will be that the party who wins future elections will be more likely to implement their healthcare agenda into law.

However there is one other major obstacle that may prove to be the deciding factor in any single payer medical program. It is the cost of a Medicare for All program. Some early projections have estimated that the program could cost as much as $32 trillion over 10 years. In terms of government programs, that is a very large number.

Rough estimates also dictate that any large scale federal healthcare program would require an increase in taxes, which could erode support for the bill with voters. How the American people respond regarding these factors will ultimately determine the fate of any single payer government program.

What’s next for Medicare for All?

While there are many opinions on both sides of this political argument, it is an idea that is being discussed in many circles and needs to be fully considered due to the huge ramifications that it would entail. It is still early days, but the topic deserves a full debate of the possible effects it could have over one fifth of the US economy.

We’ll continue to monitor the progress and discussion surrounding Medicare for All. As presidential candidates including Senator’s Bernie Sanders, Kamala Harris, Elizabeth Warren, Corey Booker, Kristen Gillibrand and others tout the benefits of Medicare for All, the public will be able to form their own opinions regarding the proposed program.

One thing is for sure, the issue of healthcare, will continue to be a big topic of conversation in the country, especially during the upcoming election season.


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What is a deductible? https://www.easydentalquotes.com/what-is-a-deductible/ https://www.easydentalquotes.com/what-is-a-deductible/#respond Fri, 01 Mar 2019 15:41:45 +0000 https://www.easydentalquotes.com/?p=4046 Learn more about insurance deductibles If you’ve ever had an insurance policy or are even somewhat familiar with insurance plans, you’ve probably heard the term deductible. Even though it may be a familiar term, many people are still confused on what an insurance deductible is. We’ll try to bring some clarity to this basic insurance […]

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Learn more about insurance deductibles

If you’ve ever had an insurance policy or are even somewhat familiar with insurance plans, you’ve probably heard the term deductible. Even though it may be a familiar term, many people are still confused on what an insurance deductible is. We’ll try to bring some clarity to this basic insurance concept.

Insurance deductibles… defined

In basic terms, a deductible is an upfront payment that you have to make before an insurance policy “kicks in” to pay. More specifically, an insurance deductible is the specified amount that an insured member must pay before an insurance company will make a payment towards their portion of a claim according to the insurance policy provisions.

So think of it this way. If your insurance policy includes a deductible, this is the amount that you’ll have to pay up front to the doctor, dentist, or repair shop before your insurance plan will pay it’s part of the claim. In the order of payments, deductibles come first, and then insurance payments come afterwards.

Deductibles can affect your monthly premiums

With most insurance policies including medical, dental, auto, and homeowners, deductibles are common insurance tools to help offset the risk for an insurance company. This can also help lower the cost of monthly premiums for the member. Typically the higher the upfront deductible, the lower the monthly premium will be. Conversely, the lower the deductible, the higher the monthly premium can be.

Depending on the type of insurance, deductibles can range anywhere from $50 on some dental plans, all the way up to $5000 or more for some medical plans. Typically the lower the deductible amount, the better it is for the member. Although the member may have higher premiums in order to receive the lower deductible.

Prepare to meet any deductible expenses

If you have insurance plans with deductibles, it’s a good idea to set aside enough money to meet your deductibles if needed. While many insurance events are unexpected, it can be a good thing to have money in savings that you can use to pay your deducible amounts.

Many people call these types of savings rainy day funds. By planning ahead you can help take the stress out of unexpected events that could trigger your insurance deductible.

Deductibles aren’t a bad thing

Even though most people would prefer for an insurance company to simply cover all eligible charges, this would make insurance extremely expensive. Because insurance is a transfer of risk, tools such as deductibles help share risk between an insured member and the insurance company.

As we mentioned before, many insurance plans give multiple deductible options for customers to choose from so they can find the best fit for their situation. One size usually doesn’t fit everyone, so you can often select the best deductible to fit your budget and your expected risk.

Deductibles can be easy to understand

As you can see, deductibles really aren’t that complicated. Just remember you have to pay your deductible first before your insurance plan with pays it’s part.

If you’ve already set some money aside, you don’t even have to worry when unexpected events happen. Then you can meet your deductible and allow the insurance plan to pay it’s portion. It sure is a lot better than having to pay the full bill yourself.


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Are you overpaying your dentist? https://www.easydentalquotes.com/are-you-overpaying-your-dentist/ https://www.easydentalquotes.com/are-you-overpaying-your-dentist/#respond Fri, 15 Feb 2019 15:55:42 +0000 https://www.easydentalquotes.com/?p=4030 Are you paying the correct amounts to your dentist’s office? Insurance can be confusing, and dental insurance is no exception. Even though the total costs of dental care can be lower than other services like healthcare, dental claims can accumulate to thousands of dollars. That’s why it’s important to make sure that you’re getting the […]

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Are you paying the correct amounts to your dentist’s office?

Insurance can be confusing, and dental insurance is no exception. Even though the total costs of dental care can be lower than other services like healthcare, dental claims can accumulate to thousands of dollars. That’s why it’s important to make sure that you’re getting the most out of your dental coverage, by paying the correct amounts to your dental provider. We’ll list a few keys to help you keep your dental costs in check.

Make sure a claim is filed
Properly check your EOB
Avoid paying up front
Question any claim discrepancies
Save money with a claim review

Make sure that dental claims are filed

If you have a dental insurance plan and are receiving services from your dental provider, then you need to make sure that claims are filed with your dental plan. This is usually taken care of by the dentist’s office, but some patients wonder how they can make sure a claim has been filed.

Usually the easiest way to determine a claim has been filed is to see if you’ve received an Explanation of Benefits in the mail. While claims processing can take a few weeks, you should normally receive an EOB in the mail from your dental carrier anywhere from two to four weeks after your services have been performed.

If you don’t receive an EOB, you can either call the carrier or your dentist’s office to inquire about the claims filing. Once you’e verified a claim has been filed and processed, then it’s on to the next step to review the claim’s processing.

Properly checking your EOB will help you pay the correct amounts

Once you’ve received your EOB in the mail, you’ll want to properly review it for key pieces of information. An Explanation of Benefits contains several pieces of important information that you should review for accuracy for the services and procedures that you received. It’s good to have an understanding of your insurance plan’s benefits in order to make sure the charges have been processed correctly.

It’s very important to compare your EOB to the billing statement you receive from the provider. You’ll want to make sure that the patient responsibility at the bottom of the EOB matches the amount a provider is billing you.

If the provider bill is higher than what an EOB is showing for the patient payment amount, you should question this with your dentist and show them a copy of your EOB. Often any discrepancies can be worked out once all the information has been given to the dentist.

Avoid paying providers until claims have been finalized

Another important consideration is the timing of provider payments. It’s often recommended to avoid paying providers up front before you know what your total patient cost will be after insurance has been processed. This way you can avoid any overpayments, which would cause you to have to request a refund.

Many times, an Explanation of Benefits will be received in the mail before you get a bill from the provider. This can help you compare the information once you receive both the EOB and the provider bill to make sure the information matches up.

However if a provider sends a bill and asks for payment before you receive an EOB, you can often request to delay payment until insurance has been processed and you are notified by a completed EOB.

Don’t be afraid to question certain charges or ask for a claim to be refiled

As you review your Explanation of Benefits, be sure to keep your eye out for anything that doesn’t look right. Sometimes a charge may be overlooked, or a wrong procedure code can be filed.

It’s important to review the claims information to verify the charges were processed correctly. Don’t be afraid to ask your dentist about any charges or information that does not appear to be correct.

Often, if an error is found, the dental office can work with you and the carrier to get the information corrected. Taking a little time to review your claims info can save you money.

Reviewing your dental claim info can save you money

Although it can take a little time and some basic understanding, it is not hard to make sure you’re paying the correct amounts to your dentist.

By reviewing your EOBs for discrepancies and comparing charges to your provider bill, you can identify any potential errors that might cost you if overlooked. Then you can rest easy knowing that you’re getting the most out of your dental benefits and not overpaying the dentist.


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How to find a dental plan for my favorite dentist? https://www.easydentalquotes.com/how-to-find-a-dental-plan-for-my-favorite-dentist/ https://www.easydentalquotes.com/how-to-find-a-dental-plan-for-my-favorite-dentist/#respond Fri, 25 Jan 2019 15:47:50 +0000 https://www.easydentalquotes.com/?p=4020 Learn the steps to find the best dental plan to use at your favorite dentist So you like your dentist? That’s a good thing right? There are quite a few people that have had the same dentist for a long time, even from their teenage or college years. But what about when you go out […]

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Learn the steps to find the best dental plan to use at your favorite dentist

So you like your dentist? That’s a good thing right? There are quite a few people that have had the same dentist for a long time, even from their teenage or college years.

But what about when you go out on your own or if you loose other dental coverage from an employer? You probably want to find a dental plan that your dentist accepts to maintain your patient relationship. We’ll give you a few easy steps to find the right dental coverage to use at your favorite dentist.

Ask about In Network carriers
Find out if they accept Out of Network plans
Ask about perks for tenured patients
Choose the right dental plan option
Maintain a strong dental partnership

Ask your dentist’s office which dental carriers they’re contracted with

One of the first steps to identifying the right plan is to find out what dental carriers a dentist has contracted with as an In Network provider. Sometimes dentists will have a listing of carriers on their website, but you can always ask the front desk which insurance carriers they work with. Many dentists are contracted with a number of carriers for both group plans and individual or family dental plans.

The reason that you want to ask about dental carriers is that you typically get better benefits and larger discounts when you see In Network dental providers. This can help you narrow your search for the best dental plan for your dentist.

Find out if your dentist accepts Out of Network dental plans

While dental networks are important, it’s possible that your dentist might not be contracted with any dental carriers. This is alright as many established dental practices have chosen to operate as Out of Network dental providers. This allows dentists to charge the amounts they choose for services they perform.

If this is the case at your dentist, you’ll want to ask if they accept Out of Network dental plans. The majority of Out of Network dentists do accept benefits from most dental plans, and many dental offices will also file claims for their patients as a courtesy.

The main thing to be aware of is balance billing. This is where a dental office can charge for additional amounts beyond what a dental plan pays. But again, if you love your dentist, it can be worth a little extra expense to maintain your patient relationship.

See if your dentist is willing to offer you any perks as a tenured patient

As you evaluate options for dental plans to use at your favorite dentist, it can also help to ask what perks they might offer you as a long time patient. It never hurts to let the office know that you’re wanting to maintain your patient relationship, and are trying to find the best dental plan for their office.

Sometimes, dentists are willing to offer a number of perks to tenured patients such as accepting the allowable charges of an Out of Network dental plan, while writing off additional amounts. They may also be willing to waive deductibles or other fees if they have a favorable approach to established patient relationships. You never know what a dental practice may be willing to offer unless you ask.

Choose the best dental insurance plan to meet your needs

After you’ve identified the best dental carriers and insurance practices at your dentist, it’s time to find the right dental plan to suit your specific needs.

Some of the most popular plans are PPO dental plans with top carriers like Delta Dental, Renaissance Dental, and others. Typically these plans can give you the comprehensive dental benefits you need and include the flexibility to see the dentist of your choice.

It’s easy to get online dental quotes with services like EasyDentalQuotes.com. You can compare plan benefits and identify the best coverage and cost to take care of your needs.

Maintain great oral health with a long lasting dental partnership

Finding a great dentist is not always easy. But when you have a dentist they you love, it’s really important to maintain your relationship as a patient. That’s why finding the best dental plan to use at your favorite dentist can be a life saver. Hopefully it can help you prolong a great dental partnership that will maintain long lasting oral health.


Find dental plans for your dentist

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In a hurry? Check out the new Y-brush, the 10-second toothbrush https://www.easydentalquotes.com/in-a-hurry-check-out-the-new-y-brush-the-10-second-toothbrush/ https://www.easydentalquotes.com/in-a-hurry-check-out-the-new-y-brush-the-10-second-toothbrush/#respond Fri, 11 Jan 2019 16:00:55 +0000 https://www.easydentalquotes.com/?p=4012 Have you heard about the Y-brush electric toothbrush? We live in a busy world with most people in a constant rush to get out the door. While the American Dental Association recommends brushing your teeth twice a day for 2 minutes, it can be tough to do when you’re in a hurry. One company has […]

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Have you heard about the Y-brush electric toothbrush?

We live in a busy world with most people in a constant rush to get out the door. While the American Dental Association recommends brushing your teeth twice a day for 2 minutes, it can be tough to do when you’re in a hurry. One company has developed a new product to try to speed up the process of oral care. It’s called the Y-brush.

How does the Y-brush work?

The Y-brush is different than conventional toothbrushes and other electric toothbrushes. It’s designed more like a mouthguard that fits around your teeth. This allows the brush to clean half your mouth at one time, instead of brushing each tooth individually.

This flexible electric brush comes in 3 different sizes depending on the size of your mouth, so you can get the best fit. Shaped like a mouthpiece, the toothbrush has small bristles embedded into the tray of the mouthpiece. The bristles are designed to contact teeth at a 45 degree angle just like dentists recommend.

To use it, apply some toothpaste to the tray and put it on your upper teeth for 5 seconds, and then your lower teeth for 5 seconds while the bristles vibrate to clean your teeth. You’re encouraged to chew a bit to allow the brush to work best. Once you’re finished you can wash off the mouthpiece with water and set it back on its charging station. With this new technology, you’re able to get a thorough cleaning in a matter of seconds.

Is the Y-brush for you?

Sure, there are countless toothbrushes on the market to meet a variety of needs and preferences. While the Y-brush may not be for everyone, it can definitely speed up the process of oral care.

For those who like new technology, especially with dental care, the Y-brush may be worth checking out. It’s available for pre-order and should be available in early 2019. Check out Y-Brush.com for more information about this new tool for oral care.


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What is a full mouth debridement? https://www.easydentalquotes.com/what-is-a-full-mouth-debridement/ https://www.easydentalquotes.com/what-is-a-full-mouth-debridement/#respond Fri, 14 Dec 2018 15:47:20 +0000 https://www.easydentalquotes.com/?p=4001 Has your dentist recommended a full mouth debridement procedure? If it’s been a while since your last dental check up, then it’s possible that your teeth might not be in great shape. Sometimes a dentist may recommend a procedure known as a full mouth debridement prior to a general cleaning. If you’re wondering what this […]

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Has your dentist recommended a full mouth debridement procedure?

If it’s been a while since your last dental check up, then it’s possible that your teeth might not be in great shape. Sometimes a dentist may recommend a procedure known as a full mouth debridement prior to a general cleaning. If you’re wondering what this is and why you may need this dental procedure, we’ll help answer some key questions.

What causes the need for to debride the mouth?

One of the reasons why it’s recommended to have regular dental cleanings is to remove the soft plaque and harder tartar buildup that can form in various places of the mouth. It’s only normal for a small amount of tartar build up to happen even if you’re brushing your teeth regularly.

However, if you’ve delayed going to see the dentist, the build up of plaque and tartar can be a bigger issue due to the longer time between dental exams. This means it can take a lot longer for the hygienist to remove the deposits of tartar that has formed on the teeth.

What is a full mouth debridement procedure?

A full mouth debridement is the procedure to remove the larger deposits of plaque and tartar around the teeth and gums. Dentists or hygienists will often use a hypersonic cleaning tool to debride or remove the tartar and plaque from the surface of the teeth. This procedure can take longer than a regular dental exam depending on the amount of build up on a patients teeth.

Does insurance cover a full mouth debridement?

Since every dental insurance plan can be different, a full mouth debridement procedure may or may not be covered under the plan. It’s important to check with your provider to find out if your dental plan includes benefits for a debridement procedure.

There are some plans that do not include this coverage. However, it is usually a good idea to have a debridement procedure done even if you plan doesn’t include benefits. This dental service can be the first step towards getting your oral health back in check. Then you can schedule regular oral exams every six months to maintain and remove additional plaque build up.

Trust your dentist’s recommendations

If your dentist has recommended a full mouth debridement procedure, it’s probably for a good reason. It’s true that life can be busy and it can be tough to squeeze in visits to the dentist. However, these cleanings are important to maintaining your oral health, and you can be rewarded with a great smile for years to come when you follow your dentist’s guidance.


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Do I need to buy dental insurance during the ACA open enrollment period? https://www.easydentalquotes.com/do-i-need-to-buy-dental-insurance-during-the-aca-open-enrollment-period/ https://www.easydentalquotes.com/do-i-need-to-buy-dental-insurance-during-the-aca-open-enrollment-period/#respond Fri, 30 Nov 2018 16:03:08 +0000 https://www.easydentalquotes.com/?p=3993 Does the ACA open enrollment period apply to dental insurance? It’s that time of year again, open enrollment for the Affordable Care Act and Medicare. This is the time of year to enroll in health insurance or make changes to Medicare, and it usually lasts from around the beginning of November to mid December. What […]

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Does the ACA open enrollment period apply to dental insurance?

It’s that time of year again, open enrollment for the Affordable Care Act and Medicare. This is the time of year to enroll in health insurance or make changes to Medicare, and it usually lasts from around the beginning of November to mid December. What about dental insurance? Let’s take a look to answer this question and see how dental fits in.

You can enroll in individual dental plans anytime of the year

Open enrollment is the one time of the year that anyone can sign up for health insurance and seniors can make changes to Medicare. However individuals, families, and seniors can enroll in dental plans anytime of the year. So the open enrollment period for the ACA does not apply to dental insurance. This gives members more flexibility to be able to sign up for a dental plan when it’s a more convenient time to do so.

It can be a good idea to enroll in dental at the same time as medical

Even though members are not required to sign up for dental insurance during open enrollment for the Affordable Care Act, it can still be a good idea to enroll in a dental plan at the same time you select your health plan.

If you’re already taking the time to complete the online enrollment information for medical, then it makes sense to go ahead and get a dental plan too. This way your effective dates will be the same and your plans will renew at the same time of the year. This can make it easier to keep up with any plan changes you make.

Medicare members should consider a private dental insurance plan

For seniors who are electing Medicare or making changes to your supplements, open enrollment can also be a good time to consider a dental insurance plan. Medicare does not include any benefits for routine dental services. Therefore seniors who want to see the dentist to maintain their oral health would need to sign up for a separate dental plan in order to get access to dental benefits. There are many affordable dental options for seniors with strong benefits to meet their oral care needs.

Evaluate your benefit needs each year

Just like home or auto insurance, it’s a good idea to evaluate your medical and dental insurance options each year to see if you need to make any plan adjustments. You can always consider other carriers or plan options that might suit your needs better. As rates change, you might get a better deal with another plan. It never hurts to shop around.

Regardless if you’re enrolling in medical, dental, vision, or other benefit plans, the ACA and Medicare open enrollment period can be a great time to evaluate your coverage options and make enrollments at one time. However, with dental insurance you’re not limited to the open enrollment period as you can sign up at anytime of the year. That’s good news for those who don’t want to wait for the next open enrollment period to get dental coverage.


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Does Medicare cover dental implants? https://www.easydentalquotes.com/does-medicare-cover-dental-implants/ https://www.easydentalquotes.com/does-medicare-cover-dental-implants/#respond Fri, 09 Nov 2018 15:50:39 +0000 https://www.easydentalquotes.com/?p=3985 Medicare and dental implants If you’re a senior in need of dental implants, you’re probably exploring your options for coverage. Many seniors have asked if Medicare provides any coverage for dental implants or other dental treatments like bridges or dentures. We’ll answer these questions and provide some additional options you might consider for better dental […]

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Medicare and dental implants

If you’re a senior in need of dental implants, you’re probably exploring your options for coverage. Many seniors have asked if Medicare provides any coverage for dental implants or other dental treatments like bridges or dentures. We’ll answer these questions and provide some additional options you might consider for better dental coverage.

Medicare does not provide any benefits for routine dental care

Unfortunately most seniors are disappointed to learn that Medicare does not provide any coverage for major dental services. These non covered dental services include dental implants, bridges, dentures, or other routine dental care.

The only types of dental treatments that Medicare may help with are dental services performed during an inpatient hospital stay. This is due to the fact that Medicare is mostly designed to help with medical services and do not get involved with routine dental or vision care.

Seniors can get coverage for dental implants with private dental plans

If you’re a maturing adult in need of dental implants or other major dental work, there are a variety of coverage options available. You can get coverage for the dental services you need with a dental insurance plan in the private market.

Dental insurance plans for individuals, families, and seniors are available with a wide variety of top carriers including Delta Dental, Renaissance Dental, and Nationwide Insurance. Many plan options can provide dental benefits up to $3000 each year per member, and some plans have no waiting periods for major services.

At EasyDentalQuotes, we offer a wide variety of senior dental plans with no age limits that are great for seniors on Medicare. The Max Choice plans with Renaissance Dental provide access to coverage for dental implants with no waiting periods for major services. Plans with Delta Dental insurance can provide benefits for other major dental services like dentures, root canals, or bridges. It’s easy to view plans and rates just by providing your zip code.

Learn more about your dental coverage options

It’s a good idea to continue to explore your options for dental care and coverage, especially when you are in retirement on Medicare. There are a wide variety of dental plans and budget options for most people such as lower cost discount dental plans and full coverage dental insurance plans. You can check out additional articles to learn more about senior dental care. At EasyDentalQuotes, we’re available to help you find the best dental coverage to meet your needs.


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Can I have secondary dental insurance? https://www.easydentalquotes.com/can-i-have-secondary-dental-insurance/ https://www.easydentalquotes.com/can-i-have-secondary-dental-insurance/#respond Fri, 26 Oct 2018 14:29:30 +0000 https://www.easydentalquotes.com/?p=3981 Have you considered secondary dental insurance? Secondary insurance policies are fairly common with health insurance and other types of personal insurance, but you may have wondered about the need for secondary dental insurance. Some people have asked if it’s possible to carry two insurance policies for dental services. We’ll answer these questions and see what […]

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Have you considered secondary dental insurance?

Secondary insurance policies are fairly common with health insurance and other types of personal insurance, but you may have wondered about the need for secondary dental insurance. Some people have asked if it’s possible to carry two insurance policies for dental services. We’ll answer these questions and see what benefits secondary dental insurance can provide.

Is secondary dental insurance or coordination of benefits allowed?

Some have asked if secondary dental insurance is allowed. The answer is typically yes with most dental insurance plans. Most dental plans refer to secondary insurance as Coordination of Benefits. Coordination of benefits states how an insurance plan will coordinate with other insurance policies that may offer similar coverage.

It’s important to note that not every dental policy allows for coordination of benefits with another dental plan. However, there are many dental insurance plans that do allow for coordination of benefits with another dental policy or secondary dental plan.

You can usually check for this in your dental plan’s summary of benefits. There should be a clause regarding Coordination of Benefits that will explain how your plan works with other dental plans.

Why would I need two dental insurance plans?

Secondary dental policies can make sense for members who are needing a larger amount of dental work. Patients who need treatments like root canals, crowns, bridges, and dental implants can find that these procedures are very expensive.

Dental plans typically have an annual maximum benefit amount that they will pay each year. Sometimes a member may need more dental treatments than their plan will cover. This is where a secondary dental plan can help with coverage for charges that are remaining once the primary dental benefits have been exhausted. This additional insurance coverage can help offset the high costs of larger dental treatments.

How does secondary dental insurance work?

The most common scenario for secondary dental is for members who carry primary dental insurance through their employer. Members can then purchase secondary dental coverage in the private market to get access to additional benefits. Typically the plan you’ve had first will be considered primary and the newer plan would be secondary coverage.

It’s important to keep in mind that most dental plans that are secondary will not make payments until the primary plan has exhausted it’s payment for a treatment. However for someone needing a larger amount of dental work, secondary coverage can make a lot of sense.

Plans available as secondary policies

Regardless if you have primary dental coverage through your employer or with an individual policy, anyone can purchase additional dental coverage in the private market. Most plans offered with EasyDentalQuotes have coordination of benefits provisions that will allow additional dental insurance. Plans offered with Delta Dental and Renaissance Dental allow for coordination of benefits as a secondary policy, and may be a good fit for additional dental benefits.

Choose the best coverage strategy for your situation

While secondary dental coverage is possible, it might not be right for everyone. If you only need regular dental exams and basic dental maintenance, then a singe dental plan may provide enough coverage to meet your needs.

However, if you expect to have a larger amount of major dental work that will exceed your plan’s annual maximum, then a secondary dental plan can make sense to help with the additional cost that you may incur. The main goal is to make sure that you can obtain the necessary dental services that you need to maintain proper oral health. Then you can be confident that you’ve got the best dental coverage to meet your needs.


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