I filed a dental claim too late and they denied benefits.

Many insurance companies have a time limit after which a claim will not be paid. This can be anywhere from 1 year to 18 months after date of service (DOS).

A problem can arise when their are two insurances involved (COB)and payment from the primary is slow (for whatever reason) and causes you to file a claim with the secondary after the time period has elapsed.

Our suggestion is that if the secondary filing is denied because of lateness, write an appeal letter and offer a comprehensive narrative, including dates of submission to the primary carrier and the problems you had.

If you can demonstrate that the delay wasn't your fault, many carriers will overturn the benefit denial. If they continue to refuse, you may want to contact the state dental society or insurance commission.

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