Question: Does it make sense to have two dental insurance plans?
Reply: Having dual coverage (two dental insurance plans) doesn’t double your benefits, but you might pay less for dental procedures than if you were covered under just one plan because treatment costs may be shared between your two carriers.
However, you will need to do your homework before just buying any two dental insurance plans. Both plans would need to be able to be coordinated, such as two PPO’s but an HMO will not coordinate with any other dental insurance plan type. You want to make sure you do the math. The cost of the plans and benefits counting any limitations the plans may have to make sure you are in fact saving money on your dental care and not just over spending money on insurance