 Dental
Insurance
Who is eligible for this dental plan?
Residents of Alabama who are members of Alabama Farmers Federation.
Why do I need membership in Alabama Farmers Federation to qualify
for this dental plan?
This plan is being offered only to members of Alabama Farmers Federation
as one of our Member
Benefits, therefore you must maintain your membership to enroll and
keep this dental plan.
How do I become a member of Alabama Farmers Federation?
If you have Alfa Insurance and live in Alabama, you probably are already
a
member. If you are not a member you may download a Membership
Application
and mail it in, or you may go to any local Alfa office and join the Alabama
Farmers Federation and be able to enroll in the Alfa Dental plan.
How do I enroll in the Alfa Dental plan?
You may Enroll
Online or you may stop by one of many Alfa Insurance
offices across Alabama and they will be glad to assist you.
How does this plan work?
You can choose any licensed dentist; however, you are likely to have
lower out-of-pocket costs if you choose from the large network of Delta
Dental PPO dentists (Preferred Provider Organization). These dentists
have agreed to provide treatment at reduced fees which means your share
of the bill will likely be lower.
How do I know if a dentist is a PPO dentist?
We
recommend that you verify that your dentist is a Delta Dental PPO dentist
before each visit. Please be aware that asking if they
“accept Delta Dental” does not guarantee that they are considered a PPO
dentist. It simply means they will file your claim for you. You
still may be charged the full fee up front. Be sure to ask your dentist
if he or she is a “participating Delta Dental PPO dentist”
What are the advantages of visiting a Delta Dental PPO Dentist?
Delta Dental PPO dentist will not balance bill you above Delta Dental’s
approved
amount. Delta Dental PPO dentists submit all claim forms directly to
Delta Dental and
will only require you pay your portion of the cost at the time of treatment. Many
Non-Delta Dental dentists require you to pay all of the cost up front
and wait for
reimbursement.
What are my payment options?
Monthly bank draft or monthly credit card billing.
When will my checking account / credit card be drafted?
The draft will take place between the 18th and 23rd of each month.
When does my coverage begin?
If your enrollment form is received by the 20th, your coverage begins
the first of the following month.
Who do I call for billing questions?
Morgan White at 1-800-800-1397, select Option 5
Who do I call for claims questions?
Delta Dental at 1-800-521-2651
Who do I contact with questions on enrollment?
Alfa Dental at 1-800-392-5705.
Can I buy a plan just for my child?
No. Coverage
cannot be purchased for a child under the age of 19 unless it is through
a family plan.
What is the maximum age for a fulltime student to be covered?
25
years of age. Coverage will end the
last day of the month in which they turn 25.
If I am over age 65, can I enroll?
Yes.
Are orthodontic (braces) services
covered?
No.
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