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Ho'ala Dental Program Frequently
Asked Questions (FAQ) Get
answers to the questions our members and potential members ask most
often.
- What is the Ho`ala Dental Program?
- How is Ho'ala different from the other dental insurance plans?
- Can I see any dentist for my services?
- Where are your centers located?
- How much are the membership fees?
- What does my membership fee cover?
- What is the percentage of the discount?
- Do you coordinate benefits with other dental insurance plans?
- When will I be eligible to receive dental services?
- How many cleanings can I get per year and what will my co-payment
be?
- Are cosmetic procedures covered?
- Once I complete the enrollment form and mail in my payment,
when can I start making my appointments?
- How do I sign up?
- Can I pay for my plan with a credit card?
- Where do I send the payment?
- Are there any limitations and exclusions?
Q1:
What is the Ho'ala Dental Program?
A1: The Ho'ala Dental Program is a dental discount
program developed for individuals and businesses that do not have
dental coverage. Members are entitled to discounts off dental services
from HFDC up to 75% off the regular price. The amount of money you
pay for dental services, called copayments, are provided to you
before you see the dentist so you know what your out-of-pocket expenses
will be.
The program was developed by dentists and is provided by dentists.
There is no insurance company involved, which means less administrative
costs, and greater discounts to the patients. Because there is no
insurance company involved, there are greater benefits to the member,
including:
- Low fees
- No deductibles
- No waiting periods for pre-existing conditions
- No claim forms
- No maximum benefit amount
Q2:
How is Ho'ala different from other dental insurance plans?
A2: Ho'ala is not an insurance plan and there
is no insurance company involved. The copayment fees are the only
fees a Ho'ala member is responsible for. These fees go directly
to paying the dentist. Other dental insurance plans pay a certain
percentage of the allowable fee and the patient is responsible for
the remaining co-payment. Depending on the dentist that you go to,
this amount will vary. In addition, Ho`ala has no maximum benefit
amounts, no waiting periods, no deductibles, and no claim forms
to file.
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Q3:
Can I see any dentist for my services?
A3: Members covered under this plan must see
an HFDC provider. HFDC has thirty five (35) dentists and specialists
to choose from. A complete list of Locations
and Providers is available online.
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Q4:
Where are your centers located?
A4: There are ten (10) HFDC locations on
Oahu, Maui, Kauai and the Big Island. Please go to Locations
and Providers for the addresses of each center.
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Q5:
How much are the membership fees?
A5: The fees for a 12 month coverage period are:
- Single: $192
- 2-Party: $384
- Family (3+): $672
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Q6:
What does my membership fee cover?
A6: Your membership fee allows you to participate
in the Ho`ala Dental Program so that you can receive dental services
at a discounted rate directly from HFDC dentists. Services are discounted
up to 75% off of the original fee.
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Q7:
What is the percentage of the discount?
A7: Services are discounted up to 75% off of
the original fee.
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Q8:
Do you coordinate benefits with other dental insurance plans?
A8: Coordination of benefits refers to the
process of applying benefits from two insurance plans to a claim
for services. When a patient is covered by two insurance plans (dual
coverage) benefits are usually coordinated so that all possible
payments are made on claims for services the member received.
Because Ho`ala is not an insurance plan, we DO NOT coordinate benefits.
If a patient has coverage under both the Ho`ala program and another
dental insurance plan, our staff will ask the patient to decide
which plan they would like to use for the services being rendered
that day. The patient has a choice of one plan in which to receive
coverage. Our staff will be more than happy to provide the estimated
out-of-pocket expense for both plans so that the choice is easier.
HFDC recommends that the patient take the time to understand the
benefits of each of their plans.
The Ho`ala plan is a great option for those who need services that
will go beyond their maximum benefit amount, as this provides additional
dental coverage for the patient.
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Q9:
When will I be eligible to receive dental services?
A9: You will be eligible to receive services
the 1st day of the month following the receipt of your enrollment
form and payment.
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Q10:
How many cleanings can I get per year and what will my co-payment
be?
A10: You are allowed to receive two cleanings every year. Your co-payment
for each cleaning will be $31.50.
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Q11:
Are cosmetic procedures covered?
A11: Yes. Cosmetic services are also offered
at discounted rate, including teeth whitening at 10% off.
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Q12:
Once I complete the enrollment form and mail in my payment, when
can I start making my appointments?
A12: We recommend that you schedule your appointments
in advance for the first eligible month to avoid any delays in getting
dental treatment.
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Q13:
How do I sign up?
A13: There are multiple ways to enroll in this
program.
- Enroll online. Go to Online
Enrollment.
- Call Hawaii Family Dental Centers for a packet of information and enrollment
form. Phone: (808) 523-3103 or Toll-free: 888-542-4445.
- Download an enrollment form from our website.
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Q14:
Can I pay for my plan with a credit card?
A14: We accept VISA, Mastercard, American Express,
and Discover. Credit card payments are accepted through our Online
Enrollment.
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Q15:
Where do I send the payment?
A15: Send all forms and payment to:
Hawaii Family Dental Centers
Seven Waterfront Plaza
500 Ala Moana Blvd., Ste. 220
Honolulu, HI 96813
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Q16:
Are there any limitations and exclusions?
A16: The following dental services are specifically
excluded from the Plan:
- Select cosmetic procedures
- Prescription drugs and/or the dispensing of drugs
- Treatment rendered outside of an HFDC facility, i.e. services
performed in a hospital
- Temporomandibular Joint Dysfunction (TMJ)
- Treatment of jaw fractures or dislocations
- Treatment of cysts, tumors, neoplasms or congenital malformations
- General anesthesia including intravenous or inhalation sedation.
- Specialist consultation for non-covered dental services.
- Any dental service not specifically listed in the Copayment
Schedule
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