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Frequently Asked
Questions
How does the
plan work?
1.
The indemnity plan allows you to seek treatment from any licensed
dentist.
2.
Once services are performed, you or your dentist must file a
claim form in order to receive reimbursement.
3.
Your claim will be paid based on your group’s certificate
of coverage. Benefits
will be payable after your deductible and coinsurance (if
applicable) are satisfied. Your
plan also has an annual limit on benefits available.
The
dentist may agree to file your insurance claim for you. However, if
he/she does not, you may be required to pay the entire bill at the
time services are rendered and submit a claim to Citizens Security
Life Insurance Company for reimbursement.
Where
should I send my claims?
Claim forms can
be obtained by calling 800-578-2082 and should be sent to:
Citizens
Security Life Insurance Co.
Dental Claims
Department
P. O. Box 436149
Louisville, KY
40253-6149
or
Faxed:
502-254-4077
What
is a predetermination?
The
purpose of submitting a predetermination is to help you understand
how your benefits will be paid for your proposed treatment plan.
When
is a predetermination needed?
If a planned treatment is going to cost over $200, you
should ask the dentist to file for predetermination of benefits
before services begin.
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