What term refers to the collaborative effort between dental insurances to coordinate payment for individuals with multiple insurance plans?

The term that refers to the collaborative effort between dental insurances to coordinate payment for individuals with multiple insurance plans is Coordination of Benefits (COB). This process is important because it helps ensure that patients with more than one insurance policy receive the maximum benefit available from all their plans without exceeding the total cost of the dental care they receive.

When a patient has dual coverage, COB protocols determine which insurance company pays first (the primary insurer) and which pays second (the secondary insurer). This ensures that the two insurance providers work together to provide coverage efficiently and minimize the out-of-pocket expenses for the patient.

The other options describe different concepts. Dual coverage refers to having more than one insurance plan but does not encompass the systematic process of coordinating benefits. Underinsurance, on the other hand, means having insurance coverage that is not sufficient to cover the necessary expenses for care. Supplemental insurance typically refers to additional coverage that fills in the gaps of a primary insurance plan but does not specifically address the coordination between multiple insurance providers. Thus, COB is the correct term that specifically relates to the collaboration between different insurance plans.