Commonly Asked Questions
Q. How do I become eligible for dental benefits through AAA?
Q. I am a AAA member and reside in MA. Can I apply for dental benefits through this AAA plan?
Q. What is covered through the AAA dental plan?
Q. When am I eligible to receive my $1,500 annual maximum increase?
Q. Does the plan offer any orthodontic coverage?
Q. Who can be covered through the AAA dental plan?
Q. How soon can I receive dental coverage?
Q. How can I pay for this dental coverage? Where do I send payments?
Q. If I choose to drop my dental coverage during the year, will I get a refund?
Q. Do I have to go to a particular dentist?
Q. Are there any waiting periods to receive coverage for services?
Q. I had previous dental coverage with Delta Dental of Rhode Island through my employer. Do I still have to meet the 12-month waiting period?
Q. Can I purchase additional coverage to enhance what is offered through AAA?
Q. Who do I call with questions concerning my plan?
Q. How do I become eligible for dental benefits through AAA?
A. If you are currently a AAA member, you are already eligible. If you are not a AAA member, you must first establish a AAA membership before signing up for Delta Dental. You may do so by visiting your local AAA branch or logging on to www.aaa.com.
Q. I am a AAA member and reside in Massachusetts. Can I apply for dental benefits through this AAA plan?
A. No. This plan is currently only being offered to AAA Southern New England members living in Rhode Island.
Q. What is covered through the AAA dental plan?
A. For a detailed description of the benefit summary, please click here.
Q. When am I eligible to receive my $1,500 annual maximum increase?
A. You are eligible to receive an increase in your annual maximum from $1,000 to $1,500 once you've been enrolled in the AAA/Delta Dental plan for two years. The increase will occur on the 1st of the year following two consecutive years of enrollment in the AAA/Delta Dental plan. For example, if you enrolled in the AAA/Delta Dental plan on September 1, 2005, your annual maximum will increase to $1,500 on January 1, 2008.
Q. Does the plan offer any orthodontic coverage?
A. Yes. The AAA/Delta Dental plan now offers orthodontic coverage to members enrolled in a family plan. There is a 12-month waiting period for orthodontic coverage for each eligible dependent child. Orthodontic services are only available for dependent children under the age of 19 who are enrolled in a AAA/Delta Dental family plan prior to beginning orthodontic treatment.
Q. Who can be covered through the AAA dental plan?
A. We offer individual plans and family plans. If you choose the family plan, your spouse and children, under the age of 19, are eligible for benefits.
Q. How soon can I receive dental coverage?
A. In 2008, we will hold quarterly open enrollments. See the chart below for the application deadlines.
2008
Applications must be received by: |
To begin coverage on: |
12/12/07 |
01/01/08 |
03/12/08 |
04/01/08 |
06/11/08 |
07/01/08 |
09/09/08 |
10/01/08 |
Q. How can I pay for this dental coverage? Where do I send payments?
A. Currently, we offer three payment options: automatic deduction from your bank account, credit card, or check. When you sign up, you can set up a payment plan that best meets your needs. If you choose to pay by check, you must include an additional processing fee of $2.00 with each check payment. Note: If you enroll online and choose to pay by check, remember to include a copy of the Acknowledgement page with your initial payment.
Please send payments to:
Delta Dental of Rhode Island, P.O. Box 1517, Providence, RI 02901-1517
Q. If I choose to drop my dental coverage during the year, will I get a refund?
A. A person may end coverage by notifying us online, or by submitting a termination letter. Cancellation of coverage is effective at the end of the month or quarter, depending on the payment schedule you elected. With the exception of death, there are no premium refunds.
Q. Do I have to go to a particular dentist?
A. You always have the freedom to choose any dentist, however your out-of-pocket costs will be higher at a non-participating dentist. In Rhode Island, more than nine out of ten dentists participate with Delta Dental.
As a member of Delta Dental, you enjoy distinct advantages when you visit a participating dentist. The dentist agrees to accept our payment as payment in full - minus any applicable deductibles or coinsurances - and you are protected against being billed for any remaining balance. A participating dentist will also file your claims directly with us and handle all paperwork.
Q. Are there any waiting periods to receive coverage for services?
A. Yes. There is a 12-month waiting period for all Major Restorative services and orthodontic treatment. For a list of these services, click here.
Q. I had previous dental coverage with Delta Dental of Rhode Island through my employer. Do I still have to meet the 12-month waiting period?
A. Yes. The 12-month waiting period applies to everyone. There are no exceptions.
Q. Can I purchase additional coverage to enhance what is offered through AAA?
A. No. Delta Dental of Rhode Island does not offer individual plan enhancements. Click here for a complete description of the benefits offered.
Q. Who do I call with questions concerning my plan?
A. Delta Dental of Rhode Island's Customer Service Representatives can help answer any questions you may have.
Call or email us:
401-752-6100 or 1-800-843-3582
Monday through Friday, 8 a.m. to 5 p.m., E.T. |
