An Act To Prevent Dental Insurance Companies From Denying Coverage When Other Insurance Is Involved

LD 1058 prohibits Maine dental insurance companies from coordinating benefits when an insured person has coverage under multiple dental insurance policies. This directly affects Maine residents who hold more than one dental insurance plan. The bill amends Maine law to state that a dental policy cannot coordinate benefits in such cases, meaning insurers cannot reduce or deny coverage based on the presence of other dental insurance. The key change is that both policies must provide full coverage without one insurer offsetting the other's benefits. This ensures individuals with dual dental coverage receive the full benefits they are entitled to under each policy.