Dental insurance helps cover the cost of dental care. Many people have dental insurance through their jobs. Others buy it on their own. But sometimes, the coverage is not enough. You might wonder, Can I buy additional dental insurance? The answer is yes. You can buy extra dental insurance if you need more coverage.
This article will explain everything about buying additional dental insurance. You will learn why people need it, how it works, and where to get it.
Why Would Someone Need Additional Dental Insurance?
Dental insurance helps pay for cleanings, fillings, and other treatments. But some plans have limits. For example, your plan might only cover $1,000 per year. If you need major work like a crown or root canal, that might not be enough.
Here are some reasons why people buy extra dental insurance:
- Low Annual Maximum – Some plans only cover a small amount each year. If you need expensive treatments, extra insurance can help.
- Missing Coverage – Some plans do not cover certain treatments, like braces or implants. Extra insurance can fill the gap.
- High Deductibles or Copays – If your plan makes you pay a lot out of pocket, extra insurance can reduce your costs.
- No Current Insurance – If you lose your job or your employer does not offer dental insurance, you might need to buy your own.
If any of these apply to you, extra dental insurance could be helpful.
How Does Additional Dental Insurance Work?
Buying extra dental insurance is like adding a second layer of protection. Here’s how it works:
Primary Insurance Pays First – If you already have dental insurance, that plan pays first. It will cover what it can based on its rules.
Secondary Insurance Pays Next – The extra insurance you buy will cover some of the remaining costs. This depends on the plan’s terms.
You Pay the Rest – If there are still costs left, you pay them out of pocket.
Some insurance plans have a coordination of benefits rule. This means the two insurance companies decide how to split the costs. They will not pay more than the total bill.
Types of Additional Dental Insurance
There are different types of extra dental insurance. The best one for you depends on your needs.
Supplemental Dental Insurance
This type adds to your existing plan. It covers things your main insurance does not. For example, if your main plan does not cover orthodontics, supplemental insurance might.
Standalone Dental Insurance
If you do not have any dental insurance, you can buy a full plan on your own. These plans work like employer-provided insurance. You pay a monthly premium and get coverage for cleanings, fillings, and other treatments.
Discount Dental Plans
These are not insurance, but they can save you money. You pay a yearly fee and get discounts on dental care. Dentists in the network agree to charge lower prices. This is a good option if you cannot afford traditional insurance.
Where Can You Buy Additional Dental Insurance?
You can buy extra dental insurance from different places. Here are some options:
Through Your Employer
Some employers offer voluntary dental insurance. This is extra coverage you can buy on top of your main plan. Ask your HR department if this is available.
Private Insurance Companies
Many companies sell dental insurance directly to consumers. Some well-known ones include:
- Delta Dental
- Cigna
- Humana
- Guardian
- MetLife
You can visit their websites or call to compare plans.
Health Insurance Marketplace
If you buy health insurance through the Affordable Care Act (ACA) marketplace, you might find dental plans there. Some health plans include dental coverage, or you can buy a separate dental plan.
Dental Discount Plans
Companies like Careington or Aetna Dental Discounts offer savings plans. These are not insurance, but they can make dental care cheaper.
Things to Consider Before Buying Extra Dental Insurance
Before you buy, think about these factors:
Cost vs. Benefits
Look at the monthly premium and what the plan covers. Will you save money in the long run? If you only need one cleaning a year, extra insurance might not be worth it. But if you need major work, it could help.
Waiting Periods
Some plans make you wait before covering certain treatments. For example, you might have to wait 6 months for fillings or a year for crowns. If you need treatment soon, check the waiting periods.
Network Restrictions
Many plans only work with certain dentists. If you have a dentist you like, make sure they accept the insurance. Otherwise, you might have to switch dentists or pay more out of pocket.
Coverage Limits
Even with extra insurance, there may still be limits. Check the annual maximum and what procedures are covered.
Can You Have Two Dental Insurance Plans?
Yes, you can have two dental insurance plans. This is called dual coverage. Here’s how it works:
- The primary plan (usually from your job) pays first.
- The secondary plan (the extra one you bought) pays some of the rest.
- You pay anything left over.
Having two plans can reduce your costs, but it does not mean everything will be free. The secondary plan will not pay more than the primary plan allows.
Pros and Cons of Additional Dental Insurance
Before buying extra insurance, weigh the good and bad points.
Pros
- More Coverage – Helps pay for expensive treatments.
- Lower Out-of-Pocket Costs – You pay less at the dentist.
- Flexibility – You can choose a plan that fits your needs.
Cons
- Extra Cost – You must pay another monthly premium.
- Complex Claims – Dealing with two insurance companies can be confusing.
- Possible Overlap – Some benefits may duplicate what your main plan already covers.
Alternatives to Additional Dental Insurance
If extra insurance is too expensive, consider other options:
Dental Savings Plans
These are not insurance, but they offer discounts at certain dentists. You pay a yearly fee and get reduced rates on treatments.
Payment Plans
Some dentists offer payment plans. You can spread the cost of treatment over several months.
Health Savings Account (HSA) or Flexible Spending Account (FSA)
If you have an HSA or FSA, you can use tax-free money for dental care. This can help with out-of-pocket costs.
Conclusion
Buying additional dental insurance can be a smart move if your current plan does not cover enough. It can help with expensive treatments and reduce your costs. However, it is not always necessary. Think about your dental needs, compare plans, and decide if the extra cost is worth it.
If you are unsure, talk to your dentist or an insurance agent. They can help you choose the best option for your smile and your budget.
Remember, good dental care is important for your overall health. Having the right insurance can make it easier to keep your teeth healthy without breaking the bank.
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