Our Secure Choice Dental plans
keep you smiling.

Frequently Asked Questions

Who is eligible?
You, your spouse and dependent children as defined by state law. Select the plan that best meets your needs. There are no age restrictions for the primary applicant.

For more information on qualifying dependents and dependents age restrictions, see 'What plan is right for me?'

How do I join?
There are just five steps to enrolling. It is easy and only takes a few minutes! Click on the button above to get started.

How are the prepayment fees collected?
When you enroll, you have a couple of options for paying the prepayment fees that gain you access to the plan.

While we accept automatic bank drafts from checking or savings accounts, we cannot accept personal checks on a monthly basis.

When is coverage effective?
For applications with credit card payment that are submitted for annual fees by the 20th of the month at 2pm CST, your coverage effective date will be the 1st of the next month. Annual payments received after 2pm CST on the 20th will be effective the 1st of the second month.

Examples: For an application with credit card payment received on March 19th, coverage will be effective April 1st. For an application with credit card payment received on March 21st, coverage will be effective May 1st.

For applications with monthly bank draft chosen as the payment method that are submitted by the 15th of the month at 2pm CST, your coverage effective date will be the 1st of the next month. Monthly draft payment received after 2pm CST on the 15th will be effective the 1st of the second month.

What will I receive once I enroll?
Once your application has been processed, you will receive access to a membership card, the Individual Dental Service Agreement with a complete list of copayments, the Evidence of Coverage and Disclosure Form, instructions for accessing the vision benefit, and information on language assistance that is available. Your effective date will be provided with your membership materials.

What if I need to change my dentist?
You may change dentists by using our online member portal, or by simply calling Client Services at 800-380-6347.

How do I receive care?
After your effective date, call the dentist you’ve selected and tell the office that you have coverage. They will schedule your appointment to see the dentist.

When do I renew my dental plan?
If you select the annual prepayment method, a renewal notification and billing statement will be mailed to your home in advance of your anniversary date. If you select the monthly bank draft method for payment, no action is required to renew your dental plan.

Are there limitations or exclusions?
Plan benefits are not available for any service not specifically described in the Copayment Schedule (including but not limited to any hospital or outpatient care facility cost associated with any dental service).

Plan benefits are not available for any dental service started and completed prior to Effective Date.

Other limitations and exclusions apply – please see the plan brochure (English / Español) for complete details.



Limitations and Exclusions

Limitations of Benefits

1. Replacement of bridgework, dentures or other fixed or removable appliances are not covered unless (a) at least five (5) years have elapsed since such appliance was provided as a Plan Benefit, or (b) during that five (5) year period, appliance becomes unusable and cannot be made usable due to Member's illness or an accident involving damage to the other appliance while it is in use.


2. Orthodontic treatment is limited as follows:
   
   1. Limited orthodontic treatment of tooth guidance orthodontia is limited to eighteen (18) consecutive months of continuous treatment.
   2. Active orthodontic treatment (from placement of banding/bracketing) is limited to twenty-four (24) consecutive months of continuous treatment and is allowed once per lifetime.
   3. Retention treatment is limited to twelve (12) consecutive months. Ongoing retention treatment past twelve (12) consecutive months may be subject to additional fees as determined by Plan Specialist. Additional fees will be the sole responsibility of the Member.

Exclusions of Benefits
Plan Benefits are not available for:

1. Any service not specifically described in the Copayment Schedule (including but not limited to any hospital or outpatient care facility cost associated with any dental service).


2. Any dental service started and completed prior to Effective Date. Any dental service listed in the Copayment Schedule, started, but not completed prior to the Effective Date, will be considered a Plan Benefit only if completion of the dental service is provided by a Plan Provider, unless the Member requests the Plan to arrange for treatment to continue with the Non-Plan Provider. For dental services other than orthodontics, Member will be responsible for the full Copayment amount plus any applicable alloy or precious metals fees, for the dental service completed under the Plan. For orthodontic services, Member will be responsible for the full orthodontic Copayment, which will be prorated according to the Plan Provider's plan of treatment and normal billing procedures based on the percentage of orthodontic work completed prior to the Effective Date. Any dental service started after Member's termination is not covered.


3. Any dental service started after Member's termination.


4. Except for Emergency Dental or Urgent Services outside the Service Area, services provided by Non-Plan Providers are not covered.


5. Replacement of dentures, appliances or bridgework due to (a) damage while not in use or (b) loss or theft.


6. Oral reconstruction using fixed bridgework or other fixed appliances if the overall treatment plan to achieve complete oral reconstruction involves the replacement of six (6) or more teeth (whether those teeth are missing before treatment begins or are extracted as part of the overall treatment).


7. Implants, or any related implant appliances, or surgery for the insertion of implants, or any related implant appliances, whether fixed or removable.


8. Surgical removal of implants or implant appliances, or any surgical or non-surgical services to adjust, repair, replace, or treat any problem related to an existing implant, or implant appliance, whether fixed or removable.


9. Restorations and splints used to increase vertical dimension, restore occlusion, or replace or stabilize tooth structure loss by attrition.


10. Orthodontic treatment involving therapy for myofunctional problems, TMJ (temporomandibular joint) dysfunctions, micrognathia, macroglossia, cleft palate or other growth and developmental abnormalities.


11. Orthodontic treatment associated with orthognathic surgery, whether the treatment precedes or follows the surgery.


12. Extractions for third molars (wisdom teeth) that are not symptomatic, whether or not the extractions follow the completion of orthodontic treatment. Examples of symptomatic conditions include decay, odontogenic cysts, chronic pericoronitis and infection.


13. Treatment for malignancies, neoplasms or cysts, including but not limited to biopsy.