Can you use a dental discount plan in conjunction with dental insurance.
Question: Right now we have dental insurance though my husband employment however it has a 1000.00 yearly max dollar limit. In the past it has not been an issue but I currently need to have two crowns and a root canal done and $1000.00 in benefits will not be enough. So can we buy a dental discount plan to get the discount saving and reduce my total cost to our insurance company, therefore saving us money and making our dental care more affordable.
Answer: Trying to use a discount plan in conjunction with your current insurance plan for the same dental service may not work. Under a dental discount plan the dentist that you are going is reducing his or her cost to you as a plan member. The dentist may not be willing to do both by reducing his/her cost and still file claims to your current insurance carrier. You would need to call around in the the discount plan network and make sure the dentist is willing to do what you are wanting before just buying the plan.
