Frequently Asked Questions

Q: Who Is Eligible?
A: Denta-Chek Dental Plan Subscribers and their eligible dependents. Dependent children can be covered as long as ther are under 19, or if they are full time students, to age 23. Coverage of a child who attains age 19 will be continued while he or she is incapable of self-sustaining employment by reason of mental incapacity or physical handicap. Children may take out their own individual plan when they are no long eligible.

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Q: Must I Use A Participating Dentist?
A: No. However, benefits are MUCH better when you use one of the many participating dentists located throughout the area. In addition, there are many specialists, such as oral surgeons, orthodontists, endodontists and periodontists who will provide care for you and your family under this plan. Click on the 'Find A Dentist' button above to find dentists that participate in the Denta-Chek plan, or call our office to find out who participates and how your present dentist can participate. If your are interested in insurance that will provide the same level of benefits when using any dentist, or if you reside outside of the Denta-Chek service area, we invite you to look at the PrimeStar insurance plans by clicking on the 'Other Plans' button above.

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Q: What Services Are Covered?
A: Preventive services including semi-annual office examinations, semi-annual cleanings and x-rays are covered in full when using a participating general practice dentist. Other services rendered by participating general practice dentists, such as fillings, crowns, bridges, root-canal therapy, are covered at set co-payments that are substantially below the usual and customary fees for those services. Should you need to use a participating specialist such as an oral surgeon, periodontist or endodontist, you will receive a 25% reduction from the providers usual and customary fee. Orthodontic services from participating orthodontist are covered at set fees for standard 2-year cases, or you will receive a 25% reduction in the usual and customary fee for all other orthodontic services. Please see the Certificate of Benefits And Surcharges for a complete list of covered services and co-payments.

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Q: What If I Cancel Before I've Completed A Full Year Of Coverage?
A: Enrollment in the dental is for at least one year. If you decide to drop the plan before completing a full year of coverage, you will owe the plan the usual, customary and reasonable fees for any services rendered, reduced by the sum of the Monthly Subscription Fees and Subscriber's Charges (co-payments) paid by or on behalf of the Subscriber and Dependents.

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Q: What Happens In An Emergency?
A: Should you or a covered dependent be more than 50 miles from a participating dentist and need emergency dental care, this plan will reimburse you up to $50 to see any dentist. See your certificate of coverage..

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Q: Money Back Guarantee
A: If you are not completely satisfied with the plan, the plan will refund your subscriber fee if your written notice of cancellation, Certificate of Coverage and ID card are returned during the first 30 days of coverage. However, you will have to pay the dentist his or her usual fees for any services rendered. The application fee is not refundable. Once coverage has been in force for mare than 30 days, no fees are refundable.

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Q: When Is Coverage Effective?
A: Coverage will go into effect on the first day of the calendar month provided that we receive your completed application and initial payment by the 20th of the prior month.

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Q: Are there any other limits?
A: As with other plans, there are services which this plan does not provide, such as services which are covered under Workers' Compensation or Employers' Liability Laws. For a complete list of exclusions, check your certificate of coverage.

What Is The Monthly Cost Of Coverage?

Coverage	Monthly Cost
Applicant Only	$16
Applicant + 1 Dependent	$22
Applicant + 2 or More Dependents	$28
There is also a one-time $10 application fee.