If you have dental insurance plans from MetLife Dental PPO insurance and another carrier you may wonder how you can get the most benefit from both plans. Having double or dual coverage is a great thing to have, especially for people needing extensive dental work. Maximum benefit from the two policies can only be achieved when the claims are submitted and processed correctly.
The Sunnyvale Dental Care insurance coordinator submits many dental claims each day to multiple dental insurance companies including MetLife Dental PPO insurance. How will Sunnyvale Dentist Dr. Antonious and his team ensure that you get the most benefit from your two dental insurance policies?
Once you contact us with your insurance information they will contact MetLife Dental PPO insurance on your behalf and request details on your individual policy. They will also contact your second insurance carrier and request the same information. They will have your insurance data ready when you arrive for your first appointment.
During your initial consultation, Sunnyvale Dentist Dr. Antonious will do a thorough examination and explain his findings and recommendations to you. The two of you will come up with a treatment plan based on your needs and dental goals.
Once your treatment has been completed, the Sunnyvale Dental Care insurance coordinator will submit your dental claim to the primary dental carrier. After the primary insurance carrier has paid their amount, the claim will then be submitted to the secondary carrier. The secondary insurance company will want to know the amount paid on the claim by the primary insurance company. The secondary insurance carrier will then calculate their payment amount.
When there is dual coverage, primary and secondary insurance designations are determined by the insurance industry. If you are the subscriber of the MetLife Dental PPO policy, it will be billed as your primary insurance. If the MetLife Dental PPO policy is provided for you by another source, it will be billed as secondary insurance.
It is important to understand the type of coordination of benefits that will be used by the primary and secondary insurance companies to pay for your treatment. The two types are standard coordination and non-duplication of benefits coordination. Sunnyvale Dental Care will research this for your individual plan and explain it to you.