Saturday, November 14, 2009

If I have 3 dental insurance plans and a ton of dental work to be done, how can I get?

my dentist office to submit certain procedure charges to certain insurances? since each plan covers something different that i need done, and vice versa?

If I have 3 dental insurance plans and a ton of dental work to be done, how can I get?
If you have hit the dentist lottery and actually have a secretary that knows how to bill correctly- you are right- all three insurances are liable to pay for the procedures that will be done--but before you go to the dentist- please read over ALL THE RESTRICTIONS listed in those little clauses you can barely read--and if there are none that interfere with your dental plan and payment plan with the companies- make sure your DENTIST is aware of your 3 insurances so he can oversee the correct coding and billing to each insurance..........*you have also watch to make sure he doesn't bill all 3 for the same procedures..........good luck and happy smiling.
Reply:If the corresponding plan covers the corresponding procedures you need done, just hand them all your insurance cards or proof of insurance and let them deal with the billing...they pay people to do that :)
Reply:WEll, if they don't want to bill for you, they don't have to. Ultimately, it's up to YOU to make sure the claims all get submitted, and up to you to followup and make sure they get paid.





HOWEVER, the policies usually have a double-insured (or triple insured, in your case) clause where they all SHARE the covered claims . . . so after the first claim gets paid and reported, then the other two carriers will see that there is another policy in place.





In other words, this might not work out the way you hope - you COULD end up with all three companies denying to pay, pointing fingers and saying," The other guy needs to pay it, not us". AND, they won't talk to each other, so YOU will have to straighten it out.


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