Q.

A.

Your organization has chosen a plan with a calendar year maximum and yearly deductible. You will find these listed at the top of your Schedule of Reimbursements. The Schedule also lists the procedures that are covered under this plan and the amount you will be reimbursed for each one. To receive the reimbursement, you or your dentist will file a claim with SafeGuard (see below).

Your Schedule also includes Exclusions and Limitations. These are part of your plan and provide more detailed information about how often procedures are covered. Be sure to review them prior to your first appointment with your dentist.

Do I have to choose a dentist when I enroll?

On this plan you may receive treatment from any licensed dentist - there is no pre-selection or network requirement.

How do I file a claim?

A.

In most instances, your dental office staff will ask you to sign an "assignment" form that allows them to file the claim for you. Both you and your dentist will receive an Explanation of Benefits that details how the claim was paid.

If your dentist prefers that you file the claim, complete a standard claim form and submit it to:

SafeGuard

PO Box 30930

Laguna Hills, CA 92656-0930

Check your Certificate of Insurance for complete instructions. Once enrolled, you will receive a Certificate of Insurance booklet. This booklet will give you all of the information you need to effectively access your benefits.

What if I have other dental coverage in addition to my SafeGuard plan?

A.

We coordinate our benefits with those you may be entitled to from other policies. Your combined benefits may pay up to, but no more than, the total covered expense.