{"id":61572,"date":"2022-09-05T12:04:24","date_gmt":"2022-09-05T11:04:24","guid":{"rendered":"https:\/\/www.dentaly.org\/us\/?page_id=61572"},"modified":"2025-11-20T11:05:23","modified_gmt":"2025-11-20T10:05:23","slug":"supplemental","status":"publish","type":"page","link":"https:\/\/www.dentaly.org\/us\/dental-insurance-usa\/supplemental\/","title":{"rendered":"Supplemental Dental Insurance: What is it and How can it Help You?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Supplemental dental insurance<\/strong> is a secondary <a rel=\"noreferrer noopener\" href=\"https:\/\/www.dentaly.org\/us\/dental-insurance-usa\/\" target=\"_blank\">dental insurance<\/a> plan that you purchase to supplement your existing plan. The plan you have now may have long waiting periods or low annual maximums. It&#8217;s in these cases that another plan could help.<\/p>    <p class=\"wp-block-paragraph\">In this article, we&#8217;ll cover the following: <\/p>    <ul class=\"wp-block-list\"> <li>How supplemental dental insurance works<\/li>    <li>What is coordination of benefits?<\/li>    <li>The pros and cons of a secondary insurance plan<\/li>    <li>Alternatives for financing your dental work<\/li> <\/ul>    <p class=\"wp-block-paragraph\">We hope this information helps you find a supplemental plan that works for you or an alternative way to pay for your dental treatment. <\/p>    <h2 id=\"supplemental-dental-insurance-for-existing-coverage\" class=\"wp-block-heading\">Supplemental dental insurance for existing coverage<\/h2>   <div class=\"wp-block-image\"> <figure class=\"alignright size-medium\"><img decoding=\"async\" width=\"300\" height=\"158\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2021\/06\/when-to-get-braces-300x158.jpg\" alt=\"best supplemental dental insurance\" class=\"wp-image-38292\" srcset=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2021\/06\/when-to-get-braces-300x158.jpg 300w, https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2021\/06\/when-to-get-braces-768x403.jpg 768w, https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2021\/06\/when-to-get-braces.jpg 790w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption class=\"wp-element-caption\">You might need help for more expensive treatments like braces<\/figcaption><\/figure> <\/div>   <p class=\"wp-block-paragraph\">A supplemental dental plan for existing coverage may be a good idea for you if you feel like you need extra or <a rel=\"noreferrer noopener\" href=\"https:\/\/www.dentaly.org\/us\/dental-insurance-usa\/full-coverage-insurance\/\" data-type=\"page\" data-id=\"50791\" target=\"_blank\">full-coverage dental<\/a>. For example, if you need expensive treatment, like braces or a root canal and a crown, which will end up going over your current plan&#8217;s annual maximum limit. <\/p>    <p class=\"wp-block-paragraph\">Dental insurance plans typically will only cover costs of up to $2,000 per year, some go a bit higher, but not much. This maximum is fine for covering preventative care costs and minor treatments like deep cleaning or dental fillings. <\/p>    <p class=\"wp-block-paragraph\">But if you need anything else, you&#8217;re sure to go over the limit and that means you&#8217;ll be paying out of pocket. <\/p>    <p class=\"wp-block-paragraph\">Another reason you may want a supplemental plan is if your existing plan has a long waiting period for the treatment you need. In this case, you could look for a <strong>supplemental plan with no waiting period<\/strong>. <\/p>    <p class=\"wp-block-paragraph\">So how does it work?<\/p>    <p class=\"wp-block-paragraph\">Your existing dental insurance plan, whether it&#8217;s one you purchased on your own, or one you&#8217;re getting through your employer, is your primary plan. When you receive treatment, your dental provider sends the claim to this plan. <\/p>    <p class=\"wp-block-paragraph\">If not all of your treatment is covered by the primary plan, then your supplemental plan can take over and help cover some or all of the remaining costs on your dental bill. <\/p>    <p class=\"wp-block-paragraph\">Your supplemental plan can&#8217;t cover treatment until after your primary plan has paid. This is called coordination of benefits (COB). <\/p>    <h3 class=\"wp-block-heading\">Coordination of benefits<\/h3>    <p class=\"wp-block-paragraph\">Let&#8217;s say you get a root canal for $1000, and your primary insurance plan only pays for $800. You can then submit a claim to your supplemental insurance to cover the remaining $200 balance. <\/p>   <div class=\"wp-block-image\"> <figure class=\"alignright size-medium\"><img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/05\/dental-insurance-451127187-300x200.jpg\" alt=\"best dental supplemental insurance\" class=\"wp-image-56524\" srcset=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/05\/dental-insurance-451127187-300x200.jpg 300w, https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/05\/dental-insurance-451127187-768x512.jpg 768w, https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/05\/dental-insurance-451127187.jpg 790w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption class=\"wp-element-caption\">Find out how COB works<\/figcaption><\/figure> <\/div>   <p class=\"wp-block-paragraph\">The process isn&#8217;t always a smooth one, and different companies will have their own ways of coordinating benefits. Thus before you purchase a supplemental plan, you should speak with your current insurance provider to find out how they have set up their coordination of benefits. <\/p>    <p class=\"wp-block-paragraph\">Also, before choosing a plan, make sure it will cover the exact treatment you need, because just like regular dental insurance, supplemental plans vary when it comes to what they will cover and how much they will cover. <\/p>    <p class=\"wp-block-paragraph\">At this point it would also be helpful to speak with a dental insurance broker, but here are the basics of how COB works: <\/p>    <ul class=\"wp-block-list\"> <li><strong>Traditional split:<\/strong> You can get up to the full benefits of both policies, with a potential for 100% coverage<\/li>    <li><strong>Maintenance of benefits:<\/strong> Your primary plan pays what it normally does, then you pay your deductible and copay for your supplemental plan, at which point it pays for the remaining costs<\/li>    <li><strong>Carve out:<\/strong> Your primary plan pays what it normally would, and additional coverage provided by your supplemental plan is paid up to a certain calculated amount, called a &#8216;cap&#8217;<\/li>    <li><strong>Nonduplication:<\/strong> Your supplemental plan covers what your primary plan doesn&#8217;t. However, if the plans cover the same treatment, then your supplemental plan won&#8217;t pay anything<\/li> <\/ul>    <p class=\"wp-block-paragraph\">If you&#8217;re tearing your hair out trying to figure out how all of this works \u2014 stop! Instead, take a deep breath, and call <a rel=\"noreferrer noopener nofollow\" href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&amp;utm_source=aff|dentaly&amp;utm_campaign=2549&amp;utm_content=supplemental&amp;utm_term=textlink\" target=\"_blank\">Dentalinsurance.com<\/a> by dialing <a class=\"dental_insurance_phone-link\" href=\"tel:+8886260057\">888-626-0057<\/a>, or go to <a rel=\"noreferrer noopener\" href=\"https:\/\/www.healthcare.gov\/find-local-help\/\" target=\"_blank\">https:\/\/www.healthcare.gov\/find-local-help\/<\/a> to find a licensed health insurance agent or broker who can help you sort this out. <\/p>    <h3 class=\"wp-block-heading\">Find my supplemental dental insurance plan<\/h3>    <p class=\"wp-block-paragraph\">You can search and compare plans now for free and with no obligation \u2014 just enter your zip code and DOB below to see the best plans in your area. <\/p>    <p class=\"wp-block-paragraph\"> \t<div class=\"i-api\"> \t\t<div class=\"i-api__img\"> \t\t\t<style> \t\t\t\t@media (min-width: 575.98px) { \t\t\t\t\t.i-api__img { \t\t\t\t\t\tbackground: url('https:\/\/www.dentaly.org\/us\/wp-content\/themes\/generatepress-child\/inc\/shortcodes\/insurance-api\/img\/insurance-api-img-min.jpg'); \t\t\t\t\t\tbackground-size: cover; \t\t\t\t\t\tbackground-position: center center; \t\t\t\t\t\tbackground-repeat: no-repeat; \t\t\t\t\t} \t\t\t\t} \t\t\t<\/style> \t\t\t<img decoding=\"async\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/themes\/generatepress-child\/inc\/shortcodes\/insurance-api\/img\/insurance-api-img-mobile-min.jpeg\" alt=\"Dentaly insurance\" width=\"527\" height=\"518\" loading=\"lazy\"> \t\t<\/div> \t\t<form class=\"i-api-form\"> \t\t\t<h2 class=\"i-api__title\">See how much you could save<\/h2> \t\t\t<div class=\"i-api__subtitle\">Start by entering your ZIP code<\/div> \t\t\t<div class=\"destination\"> \t\t\t\t<div class=\"destination__data\"> \t\t\t\t\t<div class=\"destination__data-item destination__data-item--zip\"> \t\t\t\t\t\t<input type=\"tel\" name=\"zip\" id=\"zip\" minlength=\"5\" maxlength=\"5\" placeholder=\"Your zip code?\" required>  \t\t\t\t\t<\/div> \t\t\t\t\t<div id=\"county-wrapper\" class=\"destination__data-item destination__data-item--county\"> \t\t\t\t\t\t<input type=\"text\" name=\"county\" id=\"county\" placeholder=\"County\" readonly> \t\t\t\t\t\t<div class=\"destination__data-item-arrow\"> \t\t\t\t\t\t\t<svg width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"> \t\t\t\t\t\t\t\t<path d=\"M0 0.5L5 5.5L10 0.5H0Z\" fill=\"#5A5A5A\" \/> \t\t\t\t\t\t\t<\/svg> \t\t\t\t\t\t<\/div> \t\t\t\t\t\t<div class=\"county-options\"> \t\t\t\t\t\t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t<\/div> \t\t\t\t<\/div> \t\t\t\t<div class=\"destination__message\" id=\"destination-message\">The selected zip does not belong to the USA<\/div> \t\t\t<\/div> \t\t\t<div class=\"service-search api__service-search\"> \t\t\t\t<div class=\"ss-controls\"> \t\t\t\t\t<div class=\"ss-controls__title\">Date of Birth<\/div> \t\t\t\t\t<div class=\"ss-controls__buttons\"> \t\t\t\t\t\t<button class=\"ss-controls__buttons-add visible\" id=\"add-spouse\"><span>+<\/span> Add Spouse<\/button> \t\t\t\t\t\t<button class=\"ss-controls__buttons-add visible\" id=\"add-child\"><span>+<\/span> Add Child<\/button> \t\t\t\t\t<\/div> \t\t\t\t<\/div> \t\t\t\t<div class=\"applicants service-search__applicants\"> \t\t\t\t\t<div class=\"applicant\" data-applicant-type=\"applicant\"> \t\t\t\t\t\t<div class=\"applicant__inner\"> \t\t\t\t\t\t\t<div class=\"applicant__type\"> \t\t\t\t\t\t\t\t<span class=\"applicant__type-icon\"> \t\t\t\t\t\t\t\t\t<svg viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"> \t\t\t\t\t\t\t\t\t\t<path d=\"M11.0002 11C9.5335 11 8.27794 10.4778 7.2335 9.43337C6.18905 8.38893 5.66683 7.13337 5.66683 5.66671C5.66683 4.20004 6.18905 2.94449 7.2335 1.90004C8.27794 0.855596 9.5335 0.333374 11.0002 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class=\"applicant__inner-right\"> \t\t\t\t\t\t\t\t<div class=\"applicant__date\"> \t\t\t\t\t\t\t\t\t<div class=\"applicant__date-input inputs-group\"> \t\t\t\t\t\t\t\t\t\t<input class=\"i-month\" type=\"tel\" name=\"month\" id=\"month\" max=\"12\" maxlength=\"2\" placeholder=\"mm\" required><span>\/<\/span> \t\t\t\t\t\t\t\t\t\t<input class=\"i-day\" type=\"tel\" name=\"day\" id=\"day\" max=\"31\" maxlength=\"2\" placeholder=\"dd\" required><span>\/<\/span> \t\t\t\t\t\t\t\t\t\t<input class=\"i-year\" type=\"tel\" name=\"year\" id=\"year\" min=\"1900\" max=\"\" minlength=\"4\" maxlength=\"4\" placeholder=\"yyyy\" required> \t\t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t\t\t\t<button class=\"applicant__buttons-remove applicant__buttons-remove--first\" disabled> \t\t\t\t\t\t\t\t\t<svg viewbox=\"0 0 46 46\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"> \t\t\t\t\t\t\t\t\t\t<rect width=\"46\" height=\"46\" rx=\"23\" fill=\"#E6E6E6\" \/> \t\t\t\t\t\t\t\t\t\t<path 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18.6875 13.9 19.2125C12.6833 19.7375 11.3833 20 10 20Z\" fill=\"#EB5546\" \/> \t\t\t\t\t\t\t\t<\/svg> \t\t\t\t\t\t\t<\/div> \t\t\t\t\t\t\t<div class=\"applicant__message-text\">Enter a valid date of birth. Applicant must be 18 and over<\/div> \t\t\t\t\t\t<\/div> \t\t\t\t\t<\/div> \t\t\t\t<\/div> \t\t\t<\/div> \t\t\t<button class=\"i-api__submit-btn\">Start my free quote<\/button> \t\t<\/form> \t\t<div class=\"applicant applicant--proto\"> \t\t\t<div class=\"applicant__inner\"> \t\t\t\t<div class=\"applicant__type\"> \t\t\t\t\t<span class=\"applicant__type-icon\"> \t\t\t\t\t\t<svg viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"> \t\t\t\t\t\t\t<path d=\"M11.0002 11C9.5335 11 8.27794 10.4778 7.2335 9.43337C6.18905 8.38893 5.66683 7.13337 5.66683 5.66671C5.66683 4.20004 6.18905 2.94449 7.2335 1.90004C8.27794 0.855596 9.5335 0.333374 11.0002 0.333374C12.4668 0.333374 13.7224 0.855596 14.7668 1.90004C15.8113 2.94449 16.3335 4.20004 16.3335 5.66671C16.3335 7.13337 15.8113 8.38893 14.7668 9.43337C13.7224 10.4778 12.4668 11 11.0002 11ZM3.00016 21.6667C2.26683 21.6667 1.63905 21.4056 1.11683 20.8834C0.594607 20.3612 0.333496 19.7334 0.333496 19V17.9334C0.333496 17.1778 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id=\"day-proto\" max=\"31\" maxlength=\"2\" placeholder=\"dd\" required><span>\/<\/span> \t\t\t\t\t\t\t<input class=\"i-year\" type=\"tel\" name=\"year-proto\" id=\"year-proto\" min=\"1900\" max=\"\" minlength=\"4\" maxlength=\"4\" placeholder=\"yyyy\" required> \t\t\t\t\t\t<\/div> \t\t\t\t\t<\/div> \t\t\t\t\t<button class=\"applicant__buttons-remove\" disabled> \t\t\t\t\t\t<svg viewbox=\"0 0 46 46\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"> \t\t\t\t\t\t\t<rect width=\"46\" height=\"46\" rx=\"23\" fill=\"#E6E6E6\" \/> \t\t\t\t\t\t\t<path d=\"M17.2498 33.3498C16.6173 33.3498 16.0758 33.1246 15.6254 32.6742C15.175 32.2238 14.9498 31.6823 14.9498 31.0498V16.0998H13.7998V13.7998H19.5498V12.6498H26.4498V13.7998H32.1998V16.0998H31.0498V31.0498C31.0498 31.6823 30.8246 32.2238 30.3742 32.6742C29.9238 33.1246 29.3823 33.3498 28.7498 33.3498H17.2498ZM28.7498 16.0998H17.2498V31.0498H28.7498V16.0998ZM19.5498 28.7498H21.8498V18.3998H19.5498V28.7498ZM24.1498 28.7498H26.4498V18.3998H24.1498V28.7498Z\" fill=\"#1C1B1F\" \/> \t\t\t\t\t\t<\/svg> \t\t\t\t\t<\/button> \t\t\t\t<\/div> \t\t\t<\/div> \t\t\t<div class=\"applicant-checkbox-wrapper\"> \t\t\t\t<div class=\"applicant-checkbox\"> \t\t\t\t\t<input type=\"checkbox\" name=\"student-proto\" class=\"student\" id=\"student-proto\"> \t\t\t\t\t<label for=\"student-proto\">Student<\/label> \t\t\t\t<\/div> \t\t\t\t<div class=\"applicant-checkbox\"> \t\t\t\t\t<input type=\"checkbox\" name=\"disabled-proto\" class=\"disabled\" id=\"disabled-proto\"> \t\t\t\t\t<label for=\"disabled-proto\">Disabled<\/label> \t\t\t\t<\/div> \t\t\t<\/div>  \t\t\t<div class=\"applicant__message\"> \t\t\t\t<div class=\"applicant__message-icon\"> \t\t\t\t\t<svg width=\"20\" height=\"20\" viewbox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"> \t\t\t\t\t\t<path d=\"M10 15C10.2833 15 10.5208 14.9042 10.7125 14.7125C10.9042 14.5208 11 14.2833 11 14C11 13.7167 10.9042 13.4792 10.7125 13.2875C10.5208 13.0958 10.2833 13 10 13C9.71667 13 9.47917 13.0958 9.2875 13.2875C9.09583 13.4792 9 13.7167 9 14C9 14.2833 9.09583 14.5208 9.2875 14.7125C9.47917 14.9042 9.71667 15 10 15ZM10 11C10.2833 11 10.5208 10.9042 10.7125 10.7125C10.9042 10.5208 11 10.2833 11 10V6C11 5.71667 10.9042 5.47917 10.7125 5.2875C10.5208 5.09583 10.2833 5 10 5C9.71667 5 9.47917 5.09583 9.2875 5.2875C9.09583 5.47917 9 5.71667 9 6V10C9 10.2833 9.09583 10.5208 9.2875 10.7125C9.47917 10.9042 9.71667 11 10 11ZM10 20C8.61667 20 7.31667 19.7375 6.1 19.2125C4.88333 18.6875 3.825 17.975 2.925 17.075C2.025 16.175 1.3125 15.1167 0.7875 13.9C0.2625 12.6833 0 11.3833 0 10C0 8.61667 0.2625 7.31667 0.7875 6.1C1.3125 4.88333 2.025 3.825 2.925 2.925C3.825 2.025 4.88333 1.3125 6.1 0.7875C7.31667 0.2625 8.61667 0 10 0C11.3833 0 12.6833 0.2625 13.9 0.7875C15.1167 1.3125 16.175 2.025 17.075 2.925C17.975 3.825 18.6875 4.88333 19.2125 6.1C19.7375 7.31667 20 8.61667 20 10C20 11.3833 19.7375 12.6833 19.2125 13.9C18.6875 15.1167 17.975 16.175 17.075 17.075C16.175 17.975 15.1167 18.6875 13.9 19.2125C12.6833 19.7375 11.3833 20 10 20Z\" fill=\"#EB5546\" \/> \t\t\t\t\t<\/svg> \t\t\t\t<\/div> \t\t\t\t<div class=\"applicant__message-text\">Enter a valid date of birth. Applicant must be 18 and over<\/div> \t\t\t<\/div> \t\t<\/div> \t<\/div>  <\/p>    <h2 id=\"supplemental-dental-insurance-for-medicare\" class=\"wp-block-heading\">Supplemental dental insurance for Medicare<\/h2>    <p class=\"wp-block-paragraph\">One of the most common reasons someone may be looking for a supplemental dental insurance plan is if they have Medicare. That&#8217;s because Medicare Parts A and B (the basic level) don&#8217;t cover dental treatment (with some caveats). <\/p>    <p class=\"wp-block-paragraph\">In this case, you can get Medicare Part C, also known as a Medicare Advantage Plan, and look for dental coverage, or you can purchase a standalone dental insurance plan. <\/p>    <h2 id=\"alternatives-to-supplemental-dental-insurance\" class=\"wp-block-heading\">Alternatives to supplemental dental insurance<\/h2>    <p class=\"wp-block-paragraph\">The primary alternatives to supplemental dental insurance are:<\/p>    <ul class=\"wp-block-list\"> <li>Dental savings plans<\/li>    <li>Loans<\/li>    <li>Dental tourism<\/li> <\/ul>    <p class=\"wp-block-paragraph\">Have a look at the table below to find out more about your options:<\/p>    <div class=\"finance-options\" id=\"finance-options_block_721218d608ee47567b5f407bcd4de5ca\"> \t<div class=\"finance-options_header\"> \t\t\t\t<h2 id=\"4-ways-to-finance-your-dental-care\" class=\"finance-options_header_title\">4 Ways to finance your dental care<\/h2> \t<\/div> \t<div class=\"finance-options_items\"> \t\t\t\t\t\t\t\t\t\t\t\t<div class=\"finance-options_item\"> \t\t\t\t\t<div class=\"finance-options_item_image\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"80\" height=\"83\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/01\/Group-11.svg\" class=\"attachment-full size-full\" alt=\"dental insurance\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t<div class=\"finance-options_content\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"finance-options_content_title\">Dental insurance<\/h3> \t\t\t\t\t\t<div class=\"finance-options_content_caption\">Pay a monthly premium in exchange for more affordable care.\t\t\t\t\t\t<\/div> \t\t\t\t\t<\/div>  \t\t\t\t\t<div class=\"finance-options_cta\"> \t\t\t\t\t\t\t\t<a class=\"finance-options_cta_btn\" href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&#038;utm_source=aff%7Cdentaly&#038;utm_campaign=2549&#038;utm_content=sudi&#038;utm_term=finance\" target=\"_blank\" rel=\"nofollow\">Compare plans now<\/a> \t\t<a class=\"finance-options_cta_link\" href=\"https:\/\/www.dentaly.org\/us\/dental-insurance-usa\/\" target=\"_blank\">Read more&#8230;<\/a> \t\t\t\t\t<\/div> \t\t\t\t<\/div> \t\t\t\t\t\t\t<div class=\"finance-options_item\"> \t\t\t\t\t<div class=\"finance-options_item_image\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"81\" height=\"81\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/01\/Group-5.svg\" class=\"attachment-full size-full\" alt=\"Dental loans\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t<div class=\"finance-options_content\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"finance-options_content_title\">Dental loans<\/h3> \t\t\t\t\t\t<div class=\"finance-options_content_caption\">Fund your dental work now and make affordable monthly repayments.\t\t\t\t\t\t<\/div> \t\t\t\t\t<\/div>  \t\t\t\t\t<div class=\"finance-options_cta\"> \t\t\t\t\t\t\t\t<a class=\"finance-options_cta_btn\" href=\"https:\/\/track.supermoney.com\/aff_c?offer_id=1618&#038;aff_id=1393&#038;aff_sub=sudi\" target=\"_blank\" rel=\"nofollow\">Check your loan offers <\/a> \t\t<a class=\"finance-options_cta_link\" href=\"https:\/\/www.dentaly.org\/us\/dental-financing\/dental-loans\/\" target=\"_blank\">Read more&#8230;<\/a> \t\t\t\t\t<\/div> \t\t\t\t<\/div> \t\t\t\t\t\t\t<div class=\"finance-options_item\"> \t\t\t\t\t<div class=\"finance-options_item_image\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/01\/Group-31.svg\" class=\"attachment-full size-full\" alt=\"Dental finance plane\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t<div class=\"finance-options_content\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"finance-options_content_title\">Dental tourism<\/h3> \t\t\t\t\t\t<div class=\"finance-options_content_caption\">Pay less for quality treatment abroad.\t\t\t\t\t\t<\/div> \t\t\t\t\t<\/div>  \t\t\t\t\t<div class=\"finance-options_cta\"> \t\t\t\t\t\t\t\t<a class=\"finance-options_cta_btn\" href=\"https:\/\/www.dentaly.org\/us\/dental-tourism-contact\/\" target=\"_blank\">Get a free quote<\/a> \t\t<a class=\"finance-options_cta_link\" href=\"https:\/\/www.dentaly.org\/us\/dental-tourism-usa\/\" target=\"_blank\">Read more&#8230;<\/a> \t\t\t\t\t<\/div> \t\t\t\t<\/div> \t\t\t\t\t\t\t<div class=\"finance-options_item\"> \t\t\t\t\t<div class=\"finance-options_item_image\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"80\" height=\"81\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/01\/Group-13.svg\" class=\"attachment-full size-full\" alt=\"dental discount plans\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t<div class=\"finance-options_content\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"finance-options_content_title\">Dental discount plans<\/h3> \t\t\t\t\t\t<div class=\"finance-options_content_caption\">Save money on treatment costs in exchange for a yearly membership fee.\t\t\t\t\t\t<\/div> \t\t\t\t\t<\/div>  \t\t\t\t\t<div class=\"finance-options_cta\"> \t\t\t\t\t\t\t\t<a class=\"finance-options_cta_btn\" href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&#038;utm_source=aff%7Cdentaly&#038;utm_campaign=2549&#038;utm_content=generat&#038;utm_term=finance_widget\" target=\"_self\" rel=\"nofollow\">Find discount plans<\/a> \t\t<a class=\"finance-options_cta_link\" href=\"https:\/\/www.dentaly.org\/us\/dental-financing\/dental-discount-plans\/\" target=\"_blank\">Read more&#8230;<\/a> \t\t\t\t\t<\/div> \t\t\t\t<\/div> \t\t\t\t\t\t<\/div> <\/div>    <p class=\"wp-block-paragraph\">Another way to finance your dental treatment is with a <a href=\"https:\/\/www.dentaly.org\/us\/dental-payment-plans\/\" data-type=\"page\" data-id=\"4906\" target=\"_blank\" rel=\"noreferrer noopener\">payment plan<\/a>. Ask your dentist if this is a possibility. If so, they will come up with a plan for you to pay for your treatment in installments over months, breaking the larger costs up into more manageable amounts. <\/p>    <h2 id=\"reasons-to-get-additional-dental-insurance\" class=\"wp-block-heading\">Reasons to get additional dental insurance<\/h2>    <p class=\"wp-block-paragraph\">If you&#8217;re wondering whether or not you should get a supplemental dental plan, we&#8217;ve rounded up the main reasons why you might get one:<\/p>    <ul class=\"wp-block-list\"> <li><strong>Waiting period:<\/strong> If your current plan has a long waiting period for the treatment you need, a second plan may help you save money on work that you need done now<\/li>    <li><strong>Major services:<\/strong> If your current plan only covers the basics, a secondary plan could be handy if you need more extensive work done<\/li>    <li><strong>Provider options:<\/strong> If you have two plans, a larger network of providers is likely to be covered<\/li>    <li><strong>Annual maximums:<\/strong> Having a second plan can keep you from paying out of pocket once your first plan meets the annual coverage limit<\/li> <\/ul>    <p class=\"wp-block-paragraph\">If you want to get started comparing dental insurance plans, you can go to <a href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&amp;utm_source=aff|dentaly&amp;utm_campaign=2549&amp;utm_content=supplemental&amp;utm_term=textlink\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">DentalInsurance.com<\/a>. Simply enter your zip code and date of birth, and this online marketplace will let you browse a wide range of plans available in your state.<\/p>    <p class=\"wp-block-paragraph\"><div class=\"mega-button\"><a target=\"_blank\" href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&amp;utm_source=aff|dentaly&amp;utm_campaign=2549&amp;utm_content=supplemental&amp;utm_term=button\" class=\"orange\" rel=\"nofollow\">Search and compare dental insurance plans now<\/a><\/div><\/p>    <h2 id=\"should-i-get-supplemental-dental-insurance\" class=\"wp-block-heading\">Should I get supplemental dental insurance?<\/h2>    <p class=\"wp-block-paragraph\">Around <a rel=\"noreferrer noopener\" href=\"https:\/\/www.theguardian.com\/us-news\/2021\/may\/04\/americans-dental-dentist-teeth-health-insurance\" target=\"_blank\">74 million Americans<\/a> don&#8217;t have dental insurance. And many who do still find that their plan doesn&#8217;t cover the costs they need it to. That&#8217;s where supplemental dental insurance comes in. <\/p>    <p class=\"wp-block-paragraph\">Supplemental dental insurance can be difficult to understand, but essentially, it&#8217;s an insurance plan that you purchase when you already have dental insurance. Your existing plan may have long waiting periods or a low annual maximum, or maybe it doesn&#8217;t cover the treatment you need. In any of these cases, you might want to get a supplemental plan to fill in the gaps. <\/p>    <p class=\"wp-block-paragraph\">When people refer to supplemental dental insurance, they may be talking about a dental insurance plan to supplement their Medicare insurance, since Medicare Parts A and B don&#8217;t cover dental. Or, they may be talking about a <strong>dental plan to supplement their existing dental insurance<\/strong>. <\/p>   <div class=\"wp-block-image\"> <figure class=\"alignright size-medium\"><img decoding=\"async\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2022\/08\/insurance-broker-300x200.jpg\" alt=\"dental supplemental insurance\" class=\"wp-image-61584\" \/><figcaption class=\"wp-element-caption\">Meet with an expert to understand how it works<\/figcaption><\/figure> <\/div>   <p class=\"wp-block-paragraph\">Many hope that a secondary dental insurance plan can be purchased to cover the gaps left from their existing plan and that the two plans together will result in complete coverage for all treatments needed. Unfortunately, this isn&#8217;t how it typically works out. <\/p>    <p class=\"wp-block-paragraph\">Different insurance companies have complicated ways of collaborating to cover claims. It all comes down to the rules each company has for coordination of benefits. <\/p>    <p class=\"wp-block-paragraph\">If you can swing it, you may want to make an appointment to consult a health or dental insurance broker. They are licensed experts in understanding the benefits of insurance plans and could help you make the best choice. You do have to pay for their services.<\/p>    <p class=\"wp-block-paragraph\">You can also use an online marketplace like <a rel=\"noreferrer noopener nofollow\" href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&amp;utm_source=aff|dentaly&amp;utm_campaign=2549&amp;utm_content=supplemental&amp;utm_term=textlink\" target=\"_blank\">Dentalinsurance.com<\/a> to look for your dental insurance. They also have a number you can call if you need help. <\/p>    <p class=\"wp-block-paragraph\">A knowledgeable insurance expert can explain how everything works and help you figure out the best combination of plans for your needs. Call <a class=\"dental_insurance_phone-link\" href=\"tel:+8886260057\">888-626-0057<\/a> to speak with a helpful, licensed agent now. <\/p>    <h2 id=\"pros-and-cons-of-supplemental-dental-insurance\" class=\"wp-block-heading\">Pros and cons of supplemental dental insurance<\/h2>    <p class=\"wp-block-paragraph\">Still not sure if you should pay for an additional dental insurance plan? Have a look at the following pros and cons: <\/p>   <div class=\"wp-block-wptb-table-block\"><div class=\"wptb-container-legacy\" data-table-id=\"61584\">     <table class=\"wptb-preview-table wptb-element-main-table_setting-61584 edit-active\" data-reconstraction=\"1\" style=\"border: 1px solid rgb(209, 209, 209);\" data-wptb-table-tds-sum-max-width=\"263\" data-wptb-cells-width-auto-count=\"2\" data-wptb-table-directives=\"eyJpbm5lckJvcmRlcnMiOnsiYWN0aXZlIjoiYWxsIiwiYm9yZGVyV2lkdGgiOiIxIiwiYm9yZGVyUmFkaXVzZXMiOnsiYWxsIjpmYWxzZX19fQ==\" data-wptb-horizontal-scroll-status=\"false\" data-wptb-extra-styles=\"LyogRW50ZXIgeW91ciBjdXN0b20gQ1NTIHJ1bGVzIGhlcmUgKi8=\" role=\"table\" data-table-columns=\"2\"><tbody><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"0\" data-x-index=\"0\" style=\"border: 1px solid rgb(209, 209, 209);\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-37\" style=\"color: rgb(74, 85, 104); font-size: 15px; padding: 0px; margin: 0px;\"><div class=\"\" style=\"position: relative;\"><p>Pros<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"0\" data-x-index=\"1\" style=\"border: 1px solid rgb(209, 209, 209);\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-38\" style=\"color: rgb(74, 85, 104); font-size: 15px; padding: 0px; margin: 0px;\"><div class=\"\" style=\"position: relative;\"><p>Cons<\/p><\/div><\/div><\/td><\/tr><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"1\" data-x-index=\"0\" style=\"border: 1px solid rgb(209, 209, 209);\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-styled_list-container wptb-ph-element wptb-element-styled_list-1\" style=\"padding: 0px; margin: 0px;\"><ul>                <li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"check\" style=\"width: 20px; height: 20px; fill: rgb(0, 153, 71);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">Potential savings<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li><li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"check\" style=\"width: 20px; height: 20px; fill: rgb(0, 153, 71);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">Shorter waiting periods<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li><li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"check\" style=\"width: 20px; height: 20px; fill: rgb(0, 153, 71);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">Wider dentist network<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li>                <li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"check\" style=\"width: 20px; height: 20px; fill: rgb(0, 153, 71);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">Coverage beyond annual maximum<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li>                <li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"check\" style=\"width: 20px; height: 20px; fill: rgb(0, 153, 71);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">More coverage for certain treatments<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li>        <\/ul><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"1\" data-x-index=\"1\" style=\"border: 1px solid rgb(209, 209, 209);\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-styled_list-container wptb-ph-element wptb-element-styled_list-2\" style=\"padding: 0px; margin: 0px;\"><ul>                <li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"times\" style=\"width: 20px; height: 20px; fill: rgb(255, 0, 0);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 352 512\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">Complicated system<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li>                <li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"times\" style=\"width: 20px; height: 20px; fill: rgb(255, 0, 0);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 352 512\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">Basic services likely not affected<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li>                <li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"times\" style=\"width: 20px; height: 20px; fill: rgb(255, 0, 0);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 352 512\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">Costs more to have 2 plans<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li><li class=\"wptb-in-element\">                    <div class=\"wptb-styled-list-li-inner-wrap\">                        <div class=\"wptb-styled-list-icon\" data-wptb-styled-list-icon-src=\"times\" style=\"width: 20px; height: 20px; fill: rgb(255, 0, 0);\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 352 512\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg><\/div>                        <div class=\"wptb-styled-list-item-content\" style=\"position: relative;\"><p data-styled_list-marker=\"\">Extra coverage is not a certainty<\/p><\/div>                    <\/div>                    <div class=\"wptb-clear-both\"><\/div>                <\/li>        <\/ul><\/div><\/td><\/tr><\/tbody><\/table> <\/div> <\/div>   <h2 id=\"how-to-choose-a-secondary-dental-insurance-plan\" class=\"wp-block-heading\">How to choose a secondary dental insurance plan<\/h2>    <p class=\"wp-block-paragraph\">While we do recommend you enlist professional help when choosing your secondary plan, here are some things you&#8217;ll want to consider: <\/p>    <ul class=\"wp-block-list\"> <li><strong>Understand insurance:<\/strong> You should understand how different types of insurance plans work, including HMOs, PPOs, discount plans, and more<\/li>    <li><strong>Determine your needs:<\/strong> Make sure your second plan will provide the coverage for the treatment you need<\/li>    <li><strong>Budget:<\/strong> You&#8217;re trying to save money on dental care, so take a close look at your budget and the costs of a secondary plan, and calculate how much you&#8217;ll end up saving<\/li>    <li><strong>COB:<\/strong> Work closely with a broker to understand how the COB process works with your two plans before making a final decision<\/li> <\/ul>    <p class=\"wp-block-paragraph\">Check out the video below for a brief explanation of supplemental dental insurance \u2014 and, you&#8217;ll notice, a recommendation to meet with a broker. <\/p>    <figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube\"><div style=\"display: contents;\" > \t\t\t<div data-mode=\"normal\" data-oembed=\"1\" data-provider=\"youtube\" id=\"arve-youtube-vxbddobvtni\" class=\"arve\"> \t\t\t\t<div class=\"arve-inner\"> \t\t\t\t\t<div class=\"arve-embed arve-embed--has-aspect-ratio\"> \t\t\t\t\t\t<div class=\"arve-ar\" style=\"padding-top:56.250000%\"><\/div> \t\t\t<iframe allow=\"accelerometer &apos;none&apos;;autoplay &apos;none&apos;;bluetooth &apos;none&apos;;browsing-topics &apos;none&apos;;camera &apos;none&apos;;clipboard-read &apos;none&apos;;clipboard-write;display-capture &apos;none&apos;;encrypted-media &apos;none&apos;;gamepad &apos;none&apos;;geolocation &apos;none&apos;;gyroscope &apos;none&apos;;hid &apos;none&apos;;identity-credentials-get &apos;none&apos;;idle-detection &apos;none&apos;;keyboard-map &apos;none&apos;;local-fonts;magnetometer &apos;none&apos;;microphone &apos;none&apos;;midi &apos;none&apos;;otp-credentials &apos;none&apos;;payment &apos;none&apos;;picture-in-picture;publickey-credentials-create &apos;none&apos;;publickey-credentials-get &apos;none&apos;;screen-wake-lock &apos;none&apos;;serial &apos;none&apos;;summarizer &apos;none&apos;;sync-xhr;usb &apos;none&apos;;web-share;window-management &apos;none&apos;;xr-spatial-tracking &apos;none&apos;;\" allowfullscreen=\"\" class=\"arve-iframe fitvidsignore\" credentialless data-arve=\"arve-youtube-vxbddobvtni\" data-lenis-prevent=\"\" data-src-no-ap=\"https:\/\/www.youtube-nocookie.com\/embed\/vXbdDOBvTNI?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0\" frameborder=\"0\" height=\"0\" loading=\"lazy\" name=\"\" referrerpolicy=\"strict-origin-when-cross-origin\" sandbox=\"allow-scripts allow-same-origin allow-presentation allow-popups allow-popups-to-escape-sandbox\" scrolling=\"no\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/vXbdDOBvTNI?feature=oembed&#038;iv_load_policy=3&#038;modestbranding=1&#038;rel=0&#038;autohide=1&#038;playsinline=0&#038;autoplay=0\" title=\"\" width=\"0\"><\/iframe> \t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t\t\t\t\t<\/div> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div> \t\t\t <\/div><\/figure>    <h2 id=\"savings-plan-as-supplemental-dental-insurance\" class=\"wp-block-heading\">Savings plan as supplemental dental insurance<\/h2>    <p class=\"wp-block-paragraph\">You may have read about savings plans above, but just in case you missed it, we would be remiss not to emphasize this option. <\/p>    <p class=\"wp-block-paragraph\">A <a rel=\"noreferrer noopener\" href=\"https:\/\/www.dentaly.org\/us\/dental-financing\/dental-discount-plans\/connecticut-ct\/\" data-type=\"page\" data-id=\"14263\" target=\"_blank\">dental savings plan<\/a> (also called a dental discount plan) is not dental insurance. It is a membership that you pay a yearly or monthly fee to be a part of, and in exchange, you get discounted treatment. <\/p>    <p class=\"wp-block-paragraph\">No treatments are excluded, and there are no waiting periods or deductibles. That&#8217;s one of the reasons that a discount plan may be the <strong>best supplemental <a rel=\"noreferrer noopener\" href=\"https:\/\/www.dentaly.org\/us\/dental-insurance-usa\/dental-implant-insurance\/\" data-type=\"page\" data-id=\"23670\" target=\"_blank\">dental &#8216;insurance&#8217; for implants<\/a><\/strong> and other expensive dental work. <\/p>    <p class=\"wp-block-paragraph\">If you think that a dental savings plan might be a better option for you than a second insurance plan, you can find dental savings plans on <a href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&amp;utm_source=aff|dentaly&amp;utm_campaign=2549&amp;utm_content=supplemental&amp;utm_term=textlink\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">DentalInsurance.com<\/a> as well. <\/p>    <p class=\"wp-block-paragraph\"><div class=\"mega-button\"><a target=\"_blank\" href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&amp;utm_source=aff|dentaly&amp;utm_campaign=2549&amp;utm_content=supplemental&amp;utm_term=button\" class=\"orange\" rel=\"nofollow\">Find a discount plan now<\/a><\/div><\/p>    <h2 id=\"conclusion\" class=\"wp-block-heading\">Conclusion<\/h2>   <div class=\"wp-block-image\"> <figure class=\"alignright size-medium\"><img decoding=\"async\" width=\"300\" height=\"158\" src=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2021\/12\/white-smile-300x158.jpg\" alt=\"supplemental dental insurance for implants\" class=\"wp-image-45396\" srcset=\"https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2021\/12\/white-smile-300x158.jpg 300w, https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2021\/12\/white-smile-768x403.jpg 768w, https:\/\/www.dentaly.org\/us\/wp-content\/uploads\/sites\/16\/2021\/12\/white-smile.jpg 790w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption class=\"wp-element-caption\">Take care of your smile with the right funding for you<\/figcaption><\/figure> <\/div>   <p class=\"wp-block-paragraph\">Supplemental dental insurance may be a <a href=\"https:\/\/www.dentaly.org\/us\/dental-financing\/\" target=\"_blank\" rel=\"noreferrer noopener\">way to pay for dental care<\/a> costs not covered by your existing dental insurance plan. For example, if your current plan has an annual maximum of $2,000, but you need a dental implant that costs $6,000, the right secondary plan could help cover the extra costs. <\/p>    <p class=\"wp-block-paragraph\">Another way that a secondary plan could be helpful is if your current plan has a long waiting period \u2014 you could potentially get around that with a supplemental plan. <\/p>    <p class=\"wp-block-paragraph\">However, before choosing a plan, it&#8217;s important to weigh the pros and cons, and understand how your new plan and your existing plan could potentially work together. <\/p>    <p class=\"wp-block-paragraph\">Whether you want an insurance plan or a savings plan to supplement your existing insurance, you can go to <a href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&amp;utm_source=aff|dentaly&amp;utm_campaign=2549&amp;utm_content=supplemental&amp;utm_term=textlink\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">DentalInsurance.com<\/a> and enter your zip code and date of birth to browse a wide range of plans available in your state. You can also call <a class=\"dental_insurance_phone-link\" href=\"tel:+8886260057\">888-626-0057<\/a> to speak to one of their helpful licensed agents.<\/p>    <p class=\"wp-block-paragraph\"><div class=\"mega-button\"><a target=\"_blank\" href=\"https:\/\/aff.dentalinsurance.com?utm_medium=partner&amp;utm_source=aff|dentaly&amp;utm_campaign=2549&amp;utm_content=supplemental&amp;utm_term=button\" class=\"orange\" rel=\"nofollow\">Find your plan now<\/a><\/div><\/p>    <h2 id=\"faqs\" class=\"wp-block-heading\">FAQs<\/h2>    <h3 class=\"wp-block-heading\">What is the difference between primary and secondary dental insurance?<\/h3>    <p class=\"wp-block-paragraph\">Primary dental insurance is your existing dental insurance plan \u2014 you might have gotten it through your employer, or your spouse, or you might have <a href=\"https:\/\/www.dentaly.org\/us\/dental-insurance-usa\/plans-for-individuals\/\" data-type=\"page\" data-id=\"54560\" target=\"_blank\" rel=\"noreferrer noopener\">bought it on your own<\/a>. Your secondary insurance is a plan you buy to cover the payment gaps left over from your primary plan. <\/p>    <h3 class=\"wp-block-heading\">What is supplemental dental insurance?<\/h3>    <p class=\"wp-block-paragraph\">Supplemental dental insurance is the addition of a second dental insurance plan to the primary dental insurance plan that you already have. People get supplemental insurance to help cover costs. <\/p>    <p class=\"wp-block-paragraph\">Your primary insurance might have low annual maximums, or a long waiting period, or lack coverage for certain treatments that you need. In this case, you might buy another plan. <\/p>    <h3 class=\"wp-block-heading\">Can you use two types of insurance for dental?<\/h3>    <p class=\"wp-block-paragraph\">This depends on the Coordination of Benefits between your two plans. Speak with your insurance company and a health insurance broker to help you figure out if it&#8217;s worth it to get a second plan. <\/p> <div class=\"socials_share\"><ul class=\"share-buttons\">     <li class=\"share_item share_item-facebook\">         <a class=\"share_link share-facebook\"            href=\"https:\/\/www.facebook.com\/sharer?u=https:\/\/www.dentaly.org\/us\/dental-insurance-usa\/supplemental\/&amp;t=Supplemental+Dental+Insurance%3A+What+is+it+and+How+can+it+Help+You%3F\"            target=\"_blank\"            rel=\"noopener noreferrer nofollow\"            title=\"Share to Facebook\"            onclick=\"window.open(this.href,'facebook-share','width=580,height=296');return false;\">             <svg width=\"30\" height=\"31\" viewbox=\"0 0 30 31\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">                 <rect y=\"0.194702\" width=\"30\" height=\"30\" rx=\"2\" fill=\"#4267B2\"\/>                 <path d=\"M13.0479 23.4202C12.9455 23.4202 12.6409 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Afford the Dentist<\/a>. Consulted 25th August 2022.<\/p> <\/div><\/div><!--\/copyscapeskip-->","protected":false},"excerpt":{"rendered":"<p>Supplemental dental insurance is a secondary dental insurance plan that you purchase to supplement your existing plan. The plan you have now may have long waiting periods or low annual maximums. It&#8217;s in these cases that another plan could help. In this article, we&#8217;ll cover the following: We hope this information helps you find a &#8230; <a title=\"Supplemental Dental Insurance: What is it and How can it Help You?\" class=\"read-more\" href=\"https:\/\/www.dentaly.org\/us\/dental-insurance-usa\/supplemental\/\">Read more <span class=\"screen-reader-text\">Supplemental Dental Insurance: What is it and How can it Help You?<\/span><\/a><\/p>\n","protected":false},"author":70,"featured_media":61606,"parent":4758,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"categories":[6943],"tags":[],"coauthors":[2159],"class_list":["post-61572","page","type-page","status-publish","has-post-thumbnail","category-finance-category"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Supplemental Dental Insurance: Should You get a Second Plan? - Dentaly.org<\/title>\n<meta name=\"description\" content=\"What is supplemental dental insurance and why might you want to purchase it? 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