At Delta Dental of Tennessee, we are continuously monitoring the COVID-19 pandemic. Our number one priority is the safety and well-being of our employees, clients, families, and the communities in which we live and work. You can access information about your benefits, claims, or more, using our secure Consumer Toolkit, Benefit Manager Toolkit, and Dental Office Toolkit here on our site or by calling Customer Service, toll-free, at 1-800-223-3104. Our Client Services Representatives are available to assist you Monday-Friday 8 a.m.-4 p.m., and our interactive voice response system is available 24/7. Rest assured that during this time, we are continuing all essential functions of our business, including servicing all accounts and processing claims, among other functions.
Coordination of Benefits is a procedure for paying health care expenses when people are covered by more than one dental plan. The goal of coordinating benefits is to make sure the cost of the dental procedure is covered within the scope of the plans, without exceeding the amount of the actual bill.
If you are covered by two or more dental plans—usually because both you and your spouse receive coverage through work—your coverage will be coordinated.
For children covered by both parents’ (or guardians’) dental plans, the primary carrier is determined by the “birthday rule.” The plan that covers the parent or guardian whose birthday comes first in the calendar year will be considered the primary carrier. The birthday rule may be superseded by a divorce judgment or court ruling.
If a dependent, such as a spouse or child, has dental coverage through a company other than Delta Dental and that company does not cover the full cost of a dental visit or procedure, your dependent may be eligible to receive reimbursement for part or all of the coverage from Delta Dental, provided that your dependent is also covered by your plan.