1. Why should I choose an HDS participating dentist?
There are three reasons why we encourage our members to seek dental services from an HDS participating dentist. More than 95 percent of all licensed, practicing dentists in Hawaii participate with HDS. To find a participating dentist, click here.
2. Why do I have to pay more for white fillings on my back teeth?
HDS plans cover white (composite) fillings on the front
teeth and silver (amalgam) fillings on the back teeth. If you and your dentist
determine that white fillings are preferable on your back teeth, HDS will allow
you to use the amount HDS would have paid for a silver filling towards the
amount your dentist charges for a white filling. You will have to pay the
difference between your dentist’s retail charge for the white filling and the
amount paid by HDS for a silver filling.
3. Are silver fillings (amalgam) dangerous to my health?
HDS is aware that the issue of dental amalgam has been in
the news due to publicity surrounding groups concerned about risks associated
with exposure to mercury. The American Dental Association states that dental
amalgam remains a safe, affordable and durable cavity filling choice for
patients. HDS members who are concerned about the safety of amalgam should
consult their dentist.
4. I just changed from one HDS plan to another. Why do I have a wait period with my new plan?
Each employer determines the parameters of the dental
benefit plan offered to its employees. In some cases, in order to reduce the
cost of the plan, an employer group elects to have a wait period before certain
major services are benefited. However, no wait periods apply to diagnostic and
preventive services such as cleanings, exams, fluoride treatments and X-rays.
5. What can I do if I am not satisfied with a dentist’s service?
If an HDS member is not satisfied
with a service performed by an HDS participating dentist, we recommend that the
member contact the dentist and explain the reason for dissatisfaction. If the
member does not want to speak with the dentist, we suggest that the member write
a letter to the dentist and provide a copy to HDS. If the dentist’s response is
not satisfactory, the member can request that HDS follow up and attempt to
resolve the matter. The member may also file a complaint with the Hawaii State
Department of Commerce & Consumer Affairs' RICO Consumer Resource Center, ph.
6. What is a plan maximum?
The plan maximum is the total amount that HDS will pay for
a member’s dental services during a specified period. Normally, a plan maximum
follows a 12 month calendar year from January to December but the plan maximum
period can begin in any month and some plan maximum periods are shorter or
longer than 12 months.
7. Why does the dentist do a procedure if it is not a covered benefit?
HDS dental benefit plans include coverage for designated
benefits as specified in the dental contract or brochure. Other services may be
necessary and recommended by your dentist. The fact that the services are not
covered by HDS does not indicate that they are not clinically necessary.
8. How is tax calculated on my dental services?
Your dentist calculates the tax on dental services. Tax is
not an HDS plan benefit. Please discuss the calculation of taxes with your
9. Can I see a dentist on the Mainland and still be covered by my HDS plan?
Yes, whether it’s an emergency or regular visit, your HDS plan covers you while on the Mainland as long as you receive services from a Delta Dental participating dentist. To find a Delta Dental participating dentist near you, go to www.deltadental.com/dentistsearch. Select “Delta Dental Premier” as your dental plan and search for a dentist.
Be sure to present your HDS/Delta Dental membership card on your first visit to the dentist. You can print your membership card from the HDS website. Log in at the top left of this page and go to “Members,” then “Membership Card.”