Coordination of Benefits

The Boston University Dental Health Plan has provisions for coordination of benefits with other dental plans covering you and your dependents. This prevents overpayments to dental care service providers. Coordination of benefits applies to you if you or any covered dependent has coverage under another dental plan. It is a way to make sure the payments to dental care providers from all plans do not exceed the total charge for covered services.

If you are the subscriber under another dental plan, the plan covering you for the longest period of time is the primary payer. If you are covered under another dental plan as a spouse, Boston University Dental Health Plan is your primary coverage, and your spouse's coverage is your secondary coverage. You may be able to claim any expenses that are not covered under the Boston University Dental Health Plan with your other dental plan.

If your spouse is covered under another dental plan in addition to the Boston University Dental Health Plan, the Boston University Dental Health Plan is the secondary plan. The Boston University Dental Health Plan may provide coverage for services that are not covered by your spouse's plan according to the schedule of covered services.

If your dependent children are covered under both the Boston University Dental Health Plan and your spouse's plan, their primary coverage is provided by the plan of the parent whose birthday comes first in each calendar year, and their secondary coverage is provided by the plan of the parent whose birthday comes second in each calendar year. If a determination cannot be made in accordance with the above, the plan that has covered the patient the longest is primary.

If your health insurance plan covers dental procedures for dependent children, the health insurance company provides the primary coverage.