Frequently Asked Questions

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  • Direct Access Dental
  • Value Health Plan

   Frequently Asked Questions - Direct Access

What is Direct Access?
What is the difference between Direct Access and Direct Access Silver?
How do I enroll?
How do I find a participating dentist?
What if my dentist is not a participating provider?
What if I need to go the the dentist immediately?
How much does it cost?
Is Direct Access dental insurance?
What should I do if my question is not here?

What is Direct Access?
Direct Access is NOT insurance and does NOT require premiums.  It is like a discount club with volume pricing.  As a member you receive the same volume discounts as a large insurance company in exchange for a resonable annual membership fee.  Discounts range from 30% to 60% or more depending on the type of services you require.

What is the difference between Direct Access and Direct Access Silver?
The difference between the Direct Access program and the Direct Access Silver Program is the Silver program is priced for Senior Citizens (65+) where the Regular program is priced for everyone else. The number of discounts and the amounts of the discounts are the same.

How do I enroll?
Click on the Enroll button under the Direct Access Dental product information page.  Or click here to enroll.

How do I find a local participating dentist?
Click on the "Find a Dentist" link above to search for a participating provider in your area.  You can seach by name, city, state, or zip code.

What if my dentist is not a participating provider?
Direct Access only offers discounts at dental providers that are members of the Dentist Direct Provider Network.  However, if you would like us to consider your dentist for membership, please click here and complete the simple dentist referral form.  Our Provider Relations department will contact them shortly.

What if I need to go the the dentist immediately?
The Direct Access program has no waiting periods and can be effective immediately upon payment of your membership fee.  If you enroll online, and need to visit the dentist before your membership card arrives, please have your dentist call 1-866-696-6527.  Otherwise, please call us directly at the number found on our contact page for further assistance.

How much does it cost?
Members pay an affordable yearly fee for Direct Access membership.  Please click here to see the membership fees in your area.

Is Direct Access dental insurance?
Direct Access is NOT dental insurance and does NOT require premiums.  Members receive exclusive discounts and there is no insured benefit paid.  This means no waiting periods, claims forms, limitations, exclusions, or denied claims.

What should I do if my question is not here?
If you cannot find an answer to your question here, click here for our contact page. From this location you can obtain our contact information and the ability to send us an email.

 

   Frequently Asked Questions - Value Health Plan

Do Rates go up due to Age increase?
Who is eligible for coverage?
Who are eligible dependents?
What are the medical requirements to enroll in the plan?
Do I have to pay deductibles and co-pays under this plan?
When does coverage begin?
Can I use any doctor or hospital?
Are pre-existing conditions covered?
What is a pre-existing condition?
What should I do if my question is not here?

Do Rates go up due to Age increase?
No

Who is eligible for coverage?
Any eligible individuals under the age 65 and their dependants who are VBA Members.

Who are eligible dependents?
Your spouse under age 65 and your dependant children under the age of 19 or under the age of 25 if they are a full time student.

What are the medical requirements to enroll in the plan?
Simply answer a few "yes/no" questions on the application form. There is no medical exam required. Issuance of a Certificate of Insurance or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.

Do I have to pay deductibles and co-pays under this plan?
No, this plan is designed to pay the first dollar of covered expenses for the member and all the member's enrolled dependants up to the limits of the plan option selected.

When does coverage begin?
Coverage will begin on the first of the month following approval of the application and receipt of the first months premium.

Can I use any doctor or hospital?
Yes, you may use any doctor or hospital of your choice.

Are pre-existing conditions covered?
After your policy has been in effect for more than 12 months, pre-existing conditions are covered.

What is a pre-existing condition?
Any condition you have now or had within a 12 month period prior to the effective date of coverage for each insured person.

What should I do if my question is not here?
If you cannot find an answer to your question here, click here for our contact page. From this location you can obtain our contact information and the ability to send us an email.

 

 
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