How to avoid dental fees with Dual Coverage

Warning! You may need to consider marriage for this!

What if we told you that there was a way to avoid paying dental fees? While most of you won’t really believe it, or look for the catch, we’re telling you it’s real. It's all possible with dual coverage. 

What’s dual coverage, you ask? Dual coverage refers to having two dental insurance plans, and can come with great benefits. To name a few, dual coverage entails more coverage for expensive dental procedures, less outstanding expenses, and access to a wider network of dental providers. 

How does double coverage insurance work?

When you have dual coverage, you will typically have two insurance plans in place. You will first use the primary insurance plan to cover the cost of your dental treatment. If the primary plan doesn't cover the entire cost, the secondary plan will kick in to cover the remaining amount (up to a certain limit, of course!). However, it's important to understand the deductibles and maximum limits of each plan. Deductibles are the amount you must pay out of pocket before your insurance coverage begins, while maximum limits are the maximum amount your insurance plan will pay for a particular procedure.

Understanding how dual coverage works can be complicated, but it can be well worth the effort in terms of saving on costs. This article will explain everything you need to know about dual coverage, including how to take advantage of it, understand deductibles and maximum limits, and other key factors to consider when choosing and using dual coverage dental insurance. So read on and get ready to say goodbye to dental bills. Forever!

3 Ways to maximize your dual coverage

Maximizing your dual coverage dental insurance is key to getting the most out of your benefits and reducing your out-of-pocket costs. Here are 3 ways to maximize your double coverage insurance:

1) Coordination of benefits

Coordination of benefits (COB) is the process of determining which one of the two insurance plans you have in place is responsible for paying for your dental treatment when you have dual coverage. That is, when you have dual coverage dental insurance, COB helps determine which insurance plan is the primary payer and which is the secondary payer for your dental services. To maximize your dual coverage, it's important to understand how COB works. In general, the primary insurance plan will pay for your dental treatment first, and the secondary insurance plan will cover any remaining costs up to a certain limit. Make sure to provide both insurances plans with accurate and up-to-date information to avoid any delays in processing your claims.

2) In-network vs. out-of-network providers

When it comes to dual coverage, it's important to know whether your dental provider is in-network or out-of-network for each insurance plan. In-network providers have contracted rates with the insurance company and typically charge less for services than out-of-network providers. Make sure to choose an in-network provider whenever possible to maximize your coverage and reduce your out-of-pocket costs.

3) Understanding the limitations of your policy

Every dental insurance plan has its limitations, and it's important to understand them to maximize your dual coverage. For example, some plans may have a waiting period before coverage kicks in, or they may not cover certain procedures. Make sure to carefully review your insurance policy to understand its limitations and exclusions. If you have any questions, don't hesitate to contact your insurance provider.

3 Tips for reducing out-of-pocket costs

There are several tips and strategies you can use to reduce your out-of-pocket costs when you have dual-coverage dental insurance. Here are 3 main tips you can follow:

1) Using flexible spending accounts (FSAs)

One way to reduce your out-of-pocket costs when you have dual coverage is by using a flexible spending account (FSA). FSAs allow you to set aside pre-tax dollars to pay for medical and dental expenses, including deductibles, copayments, and other out-of-pocket costs. By using an FSA, you can reduce your taxable income and save money on your dental bills.

2) Timing your dental procedures

Timing your dental procedures can also help reduce your out-of-pocket costs. For example, if you have met your deductible for one insurance plan but not the other, you can schedule your more expensive procedures during that time to maximize your coverage. Similarly, if you know you will be changing insurance plans soon, you may want to wait to have expensive procedures until after you have switched to the new plan.

3) Communicating with your dental provider

Communication with your dental provider is also key to reducing your out-of-pocket costs. Make sure to let your provider know that you have dual coverage and provide them with accurate information about your insurance plans. They can suggest treatment options that are covered by both plans, reducing your out-of-pocket costs.

By using FSAs, timing your procedures, and communicating with your dental provider, you can reduce your out-of-pocket costs and make the most of your dual coverage. With a little bit of planning and effort, you can keep more money in your pocket and enjoy a healthy, happy smile!


Having dual-coverage dental insurance can be a great way to save money on your dental bills. By understanding how COB works, choosing in-network providers, and knowing your policy's limitations, you can maximize your coverage and reduce your out-of-pocket costs. Additionally, using FSAs, timing your procedures, and communicating with your dental provider can further reduce your costs and help you make the most of your dual coverage. 

At Trident, our team of experienced dental professionals can help you navigate the complexities of dual-coverage dental insurance. We accept a wide range of insurance plans and are committed to providing high-quality, affordable dental care to all of our patients. Contact us today to schedule an appointment and see how we can help you make the most of your dual-coverage dental insurance.

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