Our Personal Dental plans are offered through the BEST Employers Association (BEA) and do not solely rely on a network. You may either make an appointment with any licensed dentist in the country or locate a dentist from the First Dental Health ("FDH") network in California, or DenteMax network when traveling outside of the State.
All the Personal Dental plans have a Calendar Year Maximum, a Yearly Deductible, and separate waiting periods for each type of dental treatment. The Personal 80 and 100 dental indemnity plans base payment on a percentage payable; the Personal Value 36 and 40 scheduled reimbursement plans base payment on a maximum reimbursed amount for each procedure. (See “How are benefits covered?” for more details.)
When you are ready, call the dentist of your choice to set up an appointment. Bring your ID card with you to your visit. Either you or the dentist will file a claim form with BEST Life, and we will base payments on the level of coverage set by the Personal Dental plan you selected.
Please note: It is important that you meet any waiting periods before using your plan. Any services provided before the waiting period is met are not eligible for coverage.
On the Personal 100 plan, you may use start using your preventive care benefits immediately after you are enrolled. On all other plans, you will have to meet the initial and one-time only 60-day waiting period for preventive services after you are enrolled.
Basic services are not eligible for coverage until the initial and one-time 6-month waiting period is met. Depending on the plan selected, major services are not eligible for coverage until the initial and one-time 12-month waiting period is met. 
Your plan will include a Calendar Year Maximum, a Yearly Deductible, Percentage Payable or Reimbursed Amount. Each of these helps BEST Life determine how to pay your claims:
- Calendar Year Maximum: the maximum amount BEST Life will cover for that calendar year.
- Yearly Deductible: the amount each member must meet before claims are paid. In a family, only three members must meet this amount before claims are processed. Deductibles do not apply to Preventive Services.
- Percent Payable (applies to the Personal 80 and 100 plans): the percentage we will pay for a category of treatment procedures. There are three categories (Preventive, Basic and Major) and each category has a different percentage we will pay.
- Reimbursed Amount (applies to the Personal Value 36 and Value 40 plans): the maximum amount we will pay for a procedure. The Certificates for these plans contain a Schedule of Reimbursements, which lists the amount we will reimburse for each procedure.
For exact information on your benefits, please refer to the plan's Certificate of Insurance.
Discounts for orthodontia, teeth whitening and other services not listed on the plan’s Schedule of Benefits are available if offered by a network-contracted dentist. Because these services are not covered by the Personal Dental plans, discounts may be applied at the time of your visit and your dentist may bill you for any amounts due for these services. You are responsible for all services not covered by the plan.
A listing of covered procedures is available in the plan’s Certificate. You will receive your Certificate along with your ID card once your enrollment application has been approved. A Schedule of Benefits will be available for your review early in the online purchasing process.
Yes. Services will not be eligible for coverage until after each of you and your dependents have met the waiting periods. Once a waiting period is met, services will remain eligible for coverage for as long as you are enrolled on the plan.
Depending on the plan you select, there is an initial 60-day waiting period for preventive services, an initial 6-month waiting period for basic services and an initial 12-month waiting period for major services.
If you enroll a dependent after you have initially purchased a plan, that dependent will need to meet the waiting period applied for each type of service. This will have no affect on your waiting periods, whether or not you have met them.
Please review the plan’s Certificate for the services covered under each preventive, basic and major.
You and your dependents are eligible if you live in California, and you are between 18 and 64 years of age. Your dependents may qualify if they are:
- Your lawful spouse/domestic partner, if between 18 and 64 years of age,
- Your or your spouse’s/domestic partner’s child or children, including a natural child, step-child, foster child, lawfully adopted child or child in the process of being adopted, from the date of placement, or any child for whom you or your spouse/domestic partner have been granted legal custody, provided they are:
- Unmarried; and
- Through age 25;
- A child named in a qualified medical child support order.
For more information on eligible dependents, please review the plan’s Certificate of Insurance.
Enrollment is easy. Complete an enrollment application provided on the “Quote Now" web page. The enrollment application provides a section where you can select the plan of your choice. To enroll, mail a check for the monthly amount, plus any applicable fees, along with a completed enrollment application to:
Personal Dental New Enrollments
BEST Life and Health Insurance Company
PO Box 19721
Irvine, CA 92623-9721 |
Yes. The Personal Dental plans are offered through the BEST Employers Association (BEA). Joining BEA is easy; you are automatically enrolled before you have submitted a completed and signed Personal Dental Application. Once accepted, you will have access to discounts offered to BEA members. For more information about BEA, visit www.beassoc.org.
As a BEA member, you will have the option to take advantage of the discount programs the Association provides. Some of these programs include discounts for: LASIK eye surgery, discounts on eye exams, glasses and contacts, access to Global Medical Conexions’ medical tourism services, and more. For program details, please visit BEA’s website at www.beassoc.org.
Yes, there is a $1 monthly BEA Association Membership Fee a $5 Billing Fee, and a $10 one-time non-refundable Initial Enrollment Fee.
Your plan becomes effective the first day of the month following receipt of payment and written approval of your enrollment application. BEST Life will email you confirmation of this.
We offer payment and billing on a monthly basis. Initial payment can be made by credit card, debit or by a personal check.
Yes. After your application has been approved, you will receive your member ID card in an email along with your Certificate of Insurance. This card will provide you with the PPO network you may access for additional discounts, and the claims information your dentist will need to process a claim on your behalf.
You can use any licensed dentist in the country, and you also have the option to save on out-of-pocket expenses when you receive care from a PPO network dental provider. Once enrolled, your member ID card will inform you of which network to use. You can either call the phone number provided on your ID card, or locate a dentist online with our Dental Locator on the upper left hand side of this web page. Just call the dentist of your choice to confirm they are in the network and then set up an appointment. Bring your member ID card with you to your appointment.
Your plan offers Advance Notice of Dental Treatment (also known as Predetermination), which is an estimate BEST Life provides for treatment that may cost more than $300. This is a service we offer BEA members so that you may know exactly how much the plan will pay and what your payment responsibility will be.
An Advance Notice of Dental Treatment is usually requested by the dentist on your behalf and is reported to us before any work is done. Once we receive a report, BEST Life will then provide you and your dentist with an explanation of how the dental plan will cover costs.
Emergency treatment, oral examinations and routine cleanings (prophylaxis), and any treatment less than $300 do not require a Predetermination.
Network-contracted dentists will file a claim on your behalf. If you are asked to file a claim, you can download a claim form here.
Completed forms should be mailed to:
BEST Life and Health Insurance Company
PO Box 890
Meridian, ID 83680-0890 |
An Insurance Agent from our directory can help. If you are thinking about purchasing a plan and need assistance, contact an insurance agent, or for a referral call BEST Health Plans at 1-800-237-8543, Mondays through Fridays 8am to 5pm Pacific Standard Time. You can also submit an email with our online Contact Form.
Once enrolled on a plan, our Customer Service Department can provide assistance for questions on networks, how to use your benefits, and billing. Contact BEST Life Customer Service at 1-800-433-0088, Mondays through Fridays 8am to 5pm Pacific Standard Time. You can also submit an email with our online Contact Form. |
