Coordination of Benefits

If a subscriber or covered dependent is covered under another dental plan in addition to being covered by Delta Dental of Tennessee, we will coordinate benefits with the other coverage. The following rules will be used to determine which coverage should be primary.

1. The program covering the patient as an employee is primary over a program covering the patient as a dependent.
2. Where the patient is a dependent child, primary dental coverage will be determined by the date of birth of the parents. The coverage of the parent whose date of birth occurs earlier in the calendar year will be primary. For a dependent child of legally separated or divorced parents, the coverage of the parent with legal custody, or the coverage of the custodial parent's spouse (i.e. stepparent) will be primary.

If there is a court decree stating that one parent has financial responsibility for a child's dental care expenses, any dependent coverage of that parent will be primary to any other dependent coverage