Dental Opinions, What is Supplemental Dental Insurance?
Supplemental dental insurance is an individual or family insurance policy purchased to cover a portion of the dental costs. Supplemental dental insurance will normally not cover the entire dental care procedure.
If you have a primary dental insurance plan that you purchased or your employer provided, the supplemental dental policy typically covers the remaining dental bill. For example, if the dental plan policy covers half of the dental cost, the secondary or supplement dental insurance plan should cover the remaining balance of your dental procedure.
A supplement dental insurance plan may also be purchased to cover the dental charges when there are annual dental benefit plan limits or exclusions.
It is important to note that it can be hard to find a true supplement dental insurance plan. However, may people do coordinate plan benefits if they have more then one PPO or Indemnity dental plan. This mostly happens when both people are working and are provided dental benefits though their employer. However you can also buy an additional PPO/Indemnity dental insurance plan to help with your dental care cost. Just make sure to read the plans terms and conditions. Often times this is done knowing that it is for long term use and member will need to deal with waiting periods for basic and major dental care cost.