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Many people are covered by two (or more) dental plans. Having two dental plans (called "dual coverage") does not "double" your coverage. However, it may mean that you will have lower out-of-pocket costs.
Usually, one program will be considered primary (usually the one you receive as an employee through your job) and the other will be secondary (the one through your spouse's employer). The total payments of both the primary and secondary carrier cannot exceed the total approved amount (sometimes known as the Maximum Allowable Charge) or the total of what Delta Dental would have paid as primary.
Suppose your dental program covers 80% for fillings, and so does your spouse's. Your dental benefits plan would cover the first 80%. Your spouse's program would cover the remaining 20%. The process of integrating dental benefits from more than one plan is called "coordination of benefits"
or COB for short. Benefits from all sources should not exceed 100% of the total approved amount.
If Delta Dental Plan of NJ happens to be both your Primary and Secondary coverage, only one claim form needs to be submitted by you or your dentist. The claim form has two spaces to put your coverage information and plan
IDs (usually Social Security numbers).
Do you have a question about your benefits? Answers to many frequently asked questions are available online at www.deltadentalnj.com; click FAQs on the left navigation bar.
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