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Q. |
How does this plan work?
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A. |
Your organization has chosen a plan with a calendar year maximum, yearly deductible, and "coinsurance" for each type of procedure covered. Each time you receive treatment, either you or your dentist will file a claim with SafeGuard and we will pay it based on your plan design.
A Summary of Benefits is included with your enrollment kit - your Summary and the Certificate of Insurance that you will receive provides all of the information you will need.
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Do I have to choose a dentist when I enroll? |
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There is no requirement to "pre-select" a dentist. With this plan you may receive treatment from any licensed dentist... but seeing a SafeGuard contracted dentist could help you save money. You can access the most up-to-date information from our website by clicking on the "Dental & Vision Directories" button.
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What are the benefits of using an in-network dentist? |
A. |
SafeGuard contracted dentists have agreed to accept a reduced fee as payment in full, less any deductibles and/or coinsurance requirements, with no "Balance Billing". The reduced fee is usually lower than the dentist's customary fee and could help you save on your out-of-pocket costs.
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What is "Balance Billing"? |
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"Balance Billing" occurs when a dentist charges more than SafeGuard's Maximum Allowable Amount ("MAA") for a covered procedure. If you choose to receive treatment from a non-contracted dentist, and your dentist charges more than the MAA for a procedure, you are responsible for the difference between what is charged and the MAA. This is called "Balance Billing".
SafeGuard contracted dentists have agreed to not "Balance Bill".
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How do I file a claim? |
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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.
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What if I have other dental coverage in addition to my SafeGuard plan? |
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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.
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