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Orthodontics is breaking us, even with insurance. How does getting a second dental policy work?

Orthodontics is breaking us, even with insurance. How does getting a second dental policy work? Topic: My business plan premium
July 15, 2019 / By Emma
Question: The forms we fill out usually let you fill in 2 plans. What kinds of things do I need to look for in a second plan, and does anyone have first-hand knowledge in the limitations of doing this? I'd appreciate hearing any opinions on this or other ways to try and save money on my two kids' orthodontic work. Thanks.
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Best Answers: Orthodontics is breaking us, even with insurance. How does getting a second dental policy work?

Chyna Chyna | 7 days ago
First, you need to find dental insurance policies that are not mutually exclusive. That is they should not refuse to pay if you are covered under another plan. Usually, if both spouses get dental benefits from their respective employers than you can avail of the benefits from both plans. You may even get 100 percentage cover for dental problems in such a case. It may not be really beneficial to buy two dental insurance plans on your own as the premiums you will be paying will be quite substantial. The benefits will not be much as there will be annual limits, exclusion clauses, waiting periods and minimum deductibles to pay. What you can do is get a dental discount plan which offers substantial discounts on dental treatment costs and use it where necessary. I do that for those treatments not covered under my dental insurance it works great for me. Buy the dental plan from a trusted and known company that has been in business for long. Here's one I used - http://www.a1-dental-insurance.com. or I am sure you can find something else that suits your needs.
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We found more questions related to the topic: My business plan premium


Chyna Originally Answered: Opting out of insurance at work but they are requiring my husbands SSN and other coverage policy #?
I don't think they can require you to give that information. But I do think they can fire you if you don't. It could be, that they're covering their tracks, because that SS# and policy number would be what you file YOUR claims under - they want to confirm that you are, indeed, covered under your husband's policy. But there's probably another way to do that, like getting a letter from your insurer.
Chyna Originally Answered: Opting out of insurance at work but they are requiring my husbands SSN and other coverage policy #?
This is a very common practice; they are covering their tracks to make sure their employees have insurance. If you are not comfortable, talk to your HR department, and find out if you can provide proof of other coverage through some other means (perhaps a written statement from your husband's employer).
Chyna Originally Answered: Opting out of insurance at work but they are requiring my husbands SSN and other coverage policy #?
You do not have to release your husbands SSN. (the ins co will put him in the "system" under a dummy number - they can't force you to give the SSN) As for the other coverage policy info .... they may require that to verify you have other coverage in place. I wouldn't worry about sharing that info ... it's not that personal ... is it? ;-) KG Mom is wrong ... !!!! at that time they would only require written proof that you were covered else where... it's called a Certificate of Crediable Coverage.

Avital Avital
First you need to contact your current insurance company to find out if your policy allows for a secondary insurance. If it doesn't request more information on one that does.
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Avital Originally Answered: Employer makes you take insurance and neither them or the insurance Rep show a policy. What would you do?
you should refuse to pay until they show you a copy of the insurance plan or policy that you will be a member of. It sounds totally ridiculous to me that they won't do that. If they fire you, I'm sure you could fight to get your job back.
Avital Originally Answered: Employer makes you take insurance and neither them or the insurance Rep show a policy. What would you do?
Yep, it's a GROUP POLICY. You won't EVER see the actual policy, but you should get a summary of coverages. Yep, lots of insurance salespeople wear "business casual" or even jeans. Very, very few wear suits. You don't have legal access to the policy. Sounds like you either need to go part time, or find another job.

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