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How does this plan work?
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The CitiDent PPO plan has a calendar year maximum, a yearly deductible and co-insurance for each type of procedure covered.
- The calendar year maximum is $1,200 - this is the amount that can be paid in claims for each enrolled member of your family, each year.
- The deductible is $50 per person with a maximum family deductible of $150. This is the amount you pay out-of-pocket before your claims will be paid. (The deductible is waived on any Preventive Services you may require.)
- Co-insurance is the percentage the plan pays of the cost of dental treatment you receive. For instance, the plan pays 80% of the amount billed for Basic Services (there are exceptions to this rule - see the information about "Balance Billing" below).
Check the Summary of Benefits in the "Benefits" section of this website for more information on the CitiDent plan.
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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 provider information by clicking on the "Provider Directory " button.
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What are the benefits of using an in-network dentist? |
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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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There is a maximum allowable amount set for each dental procedure. If a dentist charges more than the maximum allowable amount for a specific procedure, you are responsible for the difference between what the dentist charges and the maximum allowable amount. This is called "balance billing". SafeGuard contracted dentists will not balance bill; they have agreed to accept a negotiated fee schedule as payment in full.
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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 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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Who can I contact if I have other questions? |
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Your Human Resource Department can help you with questions specific to your organization's requirements. If you have any questions about your SafeGuard plans or our networks, contact Customer Service at 800.880.1800. You also have a dedicated email address for your questions: dental.answers@safeguard.net .
Have a question we didn't answer? You can email us at the City's dedicated email address and we will respond in 24 hours.
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