Dual Dental Insurance Coverage For Orthodontics
When an individual has dual dental insurance coverage, the coordination of benefits (COB) concept comes into play. COB determines how the primary and secondary insurers are determined and which plan pays first and second.
The primary insurance is typically determined by the “birthday rule,” where the plan of the parent whose birthday falls earlier in the year is considered the primary insurance. However, specific guidelines may vary, so it’s essential to check the terms of each insurance plan.
The primary insurer pays the majority of the dental expenses, up to its allowed amount. The secondary insurance then considers the remaining costs and may cover additional portions, depending on its coverage limits.