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University Student Dental Plan
Frequently Asked Questions (FAQ) Get
answers to the questions our members and potential members ask most
often.
- What is the University Student
Dental Plan?
- Who is eligible to join the University Student Dental Plan?
- How is the University Student Dental Plan 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 University Student Dental Plan?
A1: The University Student Dental Plan is a
dental discount program developed for University and College students
in Hawaii. Members are entitled to discounts off dental services
from HFDC up to 80% 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 plan was developed especially for University students, to fit their
class schedule and pricing needs. It was also designed to be simple
to use and convenient.
The plan 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:
Who is eligible to join the University Student Dental Plan?
A2: An eligible Member in the University Student
Dental Plan must reside in Hawaii, pay the applicable membership
fees, and fall within one of the following categories:
- You are a student enrolled at least half-time in regular credit programs
at a University; or
- You are a student enrolled for credit in a continuing education program,
postdoctoral fellow, or participating in a University sponsored
program; or
- You are a visiting colleague with a non-compensatory appointment.
Dependents Coverage. Dependents are also eligible to enroll in the Plan
for the same benefits and period as the Member as long as they are
the spouse, domestic partner or the unmarried dependent child under
the age of 19.
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Q3:
How is University Student Dental Plan different from other dental
insurance plans?
A3: The University Student Dental Plan is not
an insurance plan and there is no insurance company involved. The
copayment fees are the only fees a 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, The University Student Dental Plan has no maximum benefit amounts,
no waiting periods, no deductibles and no claim forms to file.
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Q4:
Can I see any dentist for my services?
A4: Members covered under this plan must see
an HFDC provider. HFDC has over thirty-five (35) dentists and specialists
to choose from. A complete list of Locations
and Providers is available online.
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Q5:
Where are your centers located?
A5: 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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Q6:
How much are the membership fees?
A6:
| Term and Benefit Period |
Student Only
|
Student +1 Dependent
|
Student +2
or More Dependents
|
Full Year
(8/15/07 to 8/14/08) |
$99
|
$198
|
$342
|
Fall and Spring Semesters
(8/15/07 to 5/14/08) |
$79
|
$158
|
$277
|
Fall Semester Only
(8/15/07 to 12/31/07) |
$49
|
$98
|
$172
|
Spring and Summer Semesters
(1/1/08 to 8/14/08) |
$69
|
$138
|
$242
|
Spring Semester Only
(1/1/08 to 5/14/08) |
$49
|
$98
|
$172
|
Summer Semester Only
(5/15/08 to 8/14/08) |
$39
|
$78
|
$137
|
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Q7:
What does my membership fee cover?
A7: Your membership fee allows you to participate
in the University Student Dental Plan so that you can receive dental
services at a discounted rate directly from HFDC dentists. Services
are discounted up to 80% off of the original fee.
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Q8:
What is the percentage of the discount?
A8: Services are discounted up to 80% off of
the original fee.
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Q9:
Do you coordinate benefits with other dental insurance plans?
A9: 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 the University Student Dental Plan is not an insurance plan, we
DO NOT coordinate benefits. If a patient has coverage under both
the University Student Dental Plan 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.
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Q10:
When will I be eligible to receive dental services?
A10: Coverage becomes effective on the first
day of the period or the date the application and full premium is
postmarked, whichever is later. Coverage terminates at the end of
the period through which premium is paid. Dependent coverage will
not be effective prior to that of the Member. Coverage is available
only in Hawaii.
You must meet the eligibility requirements listed in the Eligibility section
to continue dental plan coverage. To avoid a lapse in coverage,
your premium payment must be received within 7 days after the date
your coverage terminates. It is the student's responsibility to
make timely renewal payments to avoid a lapse to coverage. HFDC
will send renewal notices, prior to the Member's termination date,
to the address on file.
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Q11:
How many cleanings can I get per year and what will my co-payment
be?
A11: You are allowed to receive two cleanings
every year. Your co-payment for each cleaning will be $31.50.
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Q12:
Are cosmetic procedures covered?
A12: Yes. Cosmetic services are also offered
at discounted rate, including teeth whitening at 10% off.
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Q13:
Once I complete the enrollment form and mail in my payment, when
can I start making my appointments?
A13: 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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Q14:
How do I sign up?
A14: 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: 523-3103 / Toll-free: 888-542-4445
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Q15:
Can I pay for my plan with a credit card?
A15: We accept VISA, Mastercard, American Express,
and Discover. Credit card payments are accepted through our Online
Enrollment.
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Q16:
Where do I send the enrollment form and payment?
A16: Send all forms and payment to:
Hawaii Family Dental Centers
Attn: University Student Dental Plan
Seven Waterfront Plaza
500 Ala Moana Blvd., Ste. 220
Honolulu, HI 96813
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Q17:
Are there any limitations and exclusions?
A17: 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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