Dental & Vision Insurance FAQs

When will I get my ID card?

Please allow 10 business days to receive your information in the mail. 

How long will the enrollment process take?

Signing up online takes only a few minutes.

When can I start using my plan?

You can start using your plan on the effective date of the policy!

How do I pay for my dental insurance?

You may choose to have your premium deducted from your checking or savings account (ACH) or with credit card. (Visa, MasterCard, or Discover)

Payment Information:
1. Initial premium will be withdrawn within 3 business days of your policies effective date, subsequent premiums are due on the day of the month in which the policy was effective.
2. Plan includes a one-time non-refundable enrollment fee of $25. This charge will be made at the time of purchase and may appear as a separate transaction from your insurance.

How often will my premium change?

Initial rates are guaranteed for 12 months and can change with 30 days notice after that.

What will I receive after enrollment?

An ID card and a Policy Certificate of Coverage

I have more dependents than the form allows me to enter?

Let us help you take care of that! Please contact our office by calling 1-800-620-5010. 

What does annual maximum mean?

The annual maximum benefit amount is the total dollar amount the insurance company will pay per benefit year. 

What are the deductibles and co-insurances of these plans?

The deductible is shown in the Coverage Schedule. The deductible is the amount you must pay before any benefits will be paid by the insurance company. Co-insurance amounts are also shown on your Coverage Schedule. Co-insurance is the amount that you are responsible for. In some instances, a portion of co-insurance is paid by the insurance company and a portion is paid by you, the customer.

Does my dentist take this plan?

The Magnum Dental plan utilizes the Ameritas Classic network. Find a provider here.

What does PPO mean?

PPO (Preferred Provider Organization) means that your dentist has elected to participate within the company’s network of dentists. It also means that he/she has agreed to accept reimbursement per a schedule set by the company as well as provide you with discounts on certain services.

Why should I choose a PPO plan?

Choosing a PPO plan and dentist means you will likely have a lower monthly premium to pay as well as pay less out-of-pocket for your dental services. 

When can I cancel my dental insurance policy? Are there any long term contracts?

You can cancel at any time. Your coverage will terminate on the last day of the month. Your coverage will terminate based on your billing date.

What is Open Enrollment and when is it?

Open enrollment is the time of year (usually November 1st through December 15th but deadlines vary state-to-state) where people can enroll in health insurance plans either through their employer or as an individual.

The good news is that you don’t need to wait for Open Enrollment to sign up for dental coverage, you can enroll anytime.