AHCP Dental
AHCP Dental Plans, offered through your licensed agent, can protect you and your family on both routine and major dental expenses. These plans offer you access to affordable dental care, which is a vital component of general health and well-being. We offer two dental plans to meet your needs and your budget –
AHCP Comprehensive Dental and AHCP Saver Dental.
As a member of an AHCP Dental Plan, you have the option to visit the dentist of your choice. Both AHCP Dental Plans provide members a choice of over 81,000 providers from the Dentemax network. By visiting a provider in the DenteMax network, you can maximize your benefit, while reducing out of pocket expenses. Dentemax network providers will offer benefits at a discounted rate, saving you additional money beyond the benefit of your plan. To locate a provider near you, please click here.
The AHCP Dental Plans are offered through membership in the America’s Health Care Consumer Association – an association committed to helping Americans save money on everyday expenses, including healthcare.
Choose an AHCP Dental Plan and join today!
Saver Dental
Featuring our lowest annual deductible and the most affordable rates, the AHCP Saver Dental offers the most economical way to protect your family and save on your dental expenses. The plan provides extensive coverage for the most typical dental procedures, such as cleanings and exams, while also offering protection on more costly procedures such as root canals and bridges.
At network dental providers, Diagnostic & Preventive dental work, including exams and cleanings are covered at 80%; Basic procedures, including fillings, are covered at 40%; and Major procedures such as crowns are covered at 20%.
The AHCP Saver Dental provides the following benefits to you and your family:
- $25 annual deductible per covered person
- 80% coverage on Diagnostic & Preventive procedures*
- 40% coverage on Basic procedures*
- 20% coverage on Major procedures*
- No waiting period for Diagnostic, Preventive & Basic procedures
- 12-month waiting period for Major procedures
- Generous Annual maximum of $1,000 per covered person
*Out of network benefits are calculated based on the Maximum Allowable Charges as set by the plan.
Maximum Allowable Charges are limitations on billed charges and are based on fees paid to Network Providers in the geographic area where the expenses are incurred. For Out of Network Providers, members are responsible for amounts charged by the provider that exceed benefits, and may be required to remit payment at the time of service.
Comprehensive Dental
The AHCP Comprehensive Dental plan provides your family with increased protection. At network dental providers, Diagnostic & Preventive dental work, including exams and cleanings are covered at 100%; Basic procedures, including fillings, are covered at 80%; and Major procedures such as crowns, are covered at 50%. On the AHCP Comprehensive Dental Plan, your deductible is waived for all covered Diagnostic & Preventive dental work.
The AHCP Comprehensive Dental Plan provides the following benefits to you and your family:
- Immediate coverage from your effective date
- 100% coverage on Diagnostic & Preventive procedures*
- 80% coverage on Basic procedures*
- 50% on Major procedures*
- No waiting periods on Diagnostic, Preventive, & Basic procedures
- No waiting periods on Major procedures, with proof of current dental insurance
- Low annual deductible of $50 for an individual with a maximum of $150 for a family
- High annual benefit maximum of $1,500 per covered person
The AHCP Comprehensive Dental plan has a 12 month waiting period for Major Services. However, you may obtain a credit to waive this waiting period if you submit valid proof of current fully insured coverage. Proof of prior coverage must be received by AHCP Dental within 30 days of your effective date. If you plan to obtain major services within the first 30 days, you must submit proof prior to your first scheduled dental visit.
Valid Proof is one of the following:
- Certificate of Creditable Coverage (a letter from your insurance carrier showing dates of coverage)
- Bill from your insurance carrier for period within 30 days prior to your AHCP Dental Plan effective date.
To submit your proof of coverage, please fax or mail one of the above plus your AHCP Comprehensive Dental Member ID (located on your ID card) to: Fax: 240-283-3527, or Mail: Eligibility Department, 111 Rockville Pike, Ste 950, Rockville, MD 20850.
Your prior plan must have been a fully insured plan that covered major services (e.g.- crowns, bridges, dentures, etc.). Discount plans are not considered valid prior coverage. If you have questions about whether your current plan qualifies, please call 888-512-4113.
The eligibility administrator for AHCP Dental Plans will be the final review of validity of proof of prior coverage. Proof that is deemed invalid will not result in a waived waiting period.
*Out of network benefits are calculated based on the Maximum Allowable Charges as set by the plan.
Benefits are calculated using a Maximum Allowable Charge. Maximum Allowable Charges are limitations on
billed charges and are based on fees paid to Network Providers in the geographic area where the expenses are incurred.
For Out of Network Providers, members are responsible for amounts charged by the provider that exceed benefits, and may be required to remit payment at the time of service.
