Frequently Asked Questions
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| Q. This sounds too good to be true, how do I get these great deals without paying outrageous prices. How does this work?
A. Everyone knows that Group Insurance ALWAYS has better benefits and a lower premium (cost). This Dental Insurance is Group Insurance and to qualify for the group you must live in Florida, Texas, or California for at least one day! WE HAVE FOUND A WAY TO OFFER GROUP BENEFITS TO THE GENERAL PUBLIC. Q. Who can join the plan? A. Anyone can join. This plan is available to any resident of Florida, Texas, or California. Q. Who can be included as a dependent? A. Anyone child or adult who shares the same address as you (i.e. your spouse, family member, child, etc) Q. What is the name of the plan? A. SafeGuard NA245D (The Company that owns SafeGuard is MetLife). Q. How do I join? A. You have three options by either: fax, by mail, or securely online. Q. When can I be able to use the plan? A. Full benefits start on the 1st of the following month if your application is received by the 25th of the current month. IF YOU NEED DENTAL INSURANCE AND IT IS AFTER THE 25th, CALL OUR OFFICE (888-200-2970), WE CAN STILL GET YOU IN. Q. Are there contracts? A. Yes there is a 6 month commitment Q. What are the online payment options? A. There are two online payment options: 1. The first monthly payment option is bank draft, which is the preferred method and easiest method. The 1st month's premium and the $55 enrollment fee / membership fee will be deducted from your checking account upon submission of the online application. The draft will start for the 2nd month. 2. Monthly payments from a credit or debit card ARE accepted. The 1st month’s premium and $55 enrollment fee / membership fee will be deducted upon submission of the online application. IF YOU DO NOT WANT TO GIVE OUT YOUR CREDIT CARD OR BANK ACCOUNT / ROUTING INFORMATION; THERE IS ANOTHER OPTION: 3. Annual premium and plus $55 fee by check by either: money order OR check. Checks / Money Order payable to: HCNM INC (Healthcare National Marketing Inc). *NOTE* If the person that is paying for the Insurance is different than the insured then person who’s name is on the account (checking/savings or credit card) MUST sign in the payment section (online, mail or fax applications). Q. Which Dentist can I use / How do I pick a Dentist? A. Click on the PDF link with your state. The dentists are listed by cities they are located in. If you live in a small city look for your city first then look up the closest largest city next to you. The cities are listed in alphabetical order Q. Will I get a card? A. Each family member will receive a card and benefit information about 3 weeks after we receive your application. The card is not required to see the dentist. As soon as your plan is effective, you can see your dentist and get your work done. Your dentist will get a list of patients that are on this Insurance plan. This list is called a ROSTER, so when you make an appointment tell the receptionist that you are on the September Roster, for an example. Q. How do I change my Dentist, if I don’t like him/her? A. Call customer service (888-200-2970) by the 20th of the current month to be on a different roster next month. Q. Is there a maximum amount a year I can spend before I loss coverage? A. NO. This is TRUE DENTAL INSURANCE, there is NO Dollar Limit. Q. Is there an age limit? A. NO AGE LIMIT. Q. What is the limit of family members can I put down? A. You can only have two adults and unlimited children up to the age of 24. Q. Does this Dental Insurance cover cosmetic work? A. Yes. Q. DDo you have payment plans for the work getting done? A. That would be a question for the dentist’s office, some do and others don’t. Q. Do you have Dentist that “Caters to Cowards” or children? A. Yes. Q. What is the average savings with this program? A. There is a co-payment for every dental procedure except Routine Cleanings, X-rays, and Fillings. Therefore, if you have a quote by looking up the copayments in the Benefits Booklet you will know exactly how much you will have to pay so there won’t be any surprises! But on the average this Dental Insurance plan saves the client at least 60% to 85% from the retail cost. Click on examples of savings and you can see some examples that our clients have brought in. You can also read their testimonial. If you If you have any other questions feel free to contact us. |