Employers

Frequently Asked Questions

Web Registration:

Q. What type of browser do I need to view my account?
Q. How do I manage my account online?
Q. How do I register?
Q. I lost my password or user name. How can I access my online account?

Benefits:

Q. What does my group's plan cover?
Q. Who should I contact to change my group’s covered benefits?
Q. Does the Affordable Care Act (ACA) affect my group’s dental benefits?
Q. Who is eligible for Medically Necessary Orthodontia under the ACA?

Eligibility:

Q. When can I enroll a new employee?
Q. Who is covered on a family plan?
Q. Are dependents covered after age 21?
Q. What if I forgot to add or cancel an employee’s coverage?

Billing:

Q. When is my premium payment due?
Q. When will I receive my monthly invoice?
Q. Do you offer an Auto Payment option?

Ordering ID Cards
Member Services
Oral Health Education

 

Web Registration

Q. What type of browser do I need to view my account?

Our online services are compatible with multiple browser platforms, including Safari, Chrome, Firefox, Edge, and Internet Explorer Version 11. We recommend using the latest version of your browser to get the most from our website features.

Q. How do I manage my account online?

Our online enrollment system lets you view your entire enrollment roster and gives you detailed information about your group's benefits. You can quickly and easily add a new employee, change coverage types, make demographic changes, or order a new or replacement ID card. Read our Online Enrollment System User Guide to learn more about how to use our online system.

Q. How do I register?

First, complete the Direct Electronic Access Agreement. Return the completed agreement to your Altus Dental account executive for processing and we'll give you a user name and password.

Note: It takes approximately two weeks to process a completed Direct Electronic Access Agreement. Until you receive your user name and password, forward any subscriber changes and additions to Enrollment Services at customerservice@altusdental.com or call 1-877-223-0588. Our fax number is 401-457-7240.

Q. I lost my password or user name. How can I access my online account?

If you've lost or forgotten your password or user name, contact Customer Service at customerservice@altusdental.com or call 1-877-223-0588.

 

Benefits

Q. What does my group’s plan cover?

One of the benefits of Altus Dental is our total flexibility in plan design, so there is no one answer to this question. To review your group's specific benefits, log in to the Employers section of our website with your assigned user name and password. There, you'll find a comprehensive overview of your plan design, including deductibles, co-insurance and maximum amounts, and an overview of your group by division and sub-location (if applicable), as well as plan details for any previous coverage period(s). For more information about our plans and products, please click here.

Q. Who should I contact to change my group’s covered benefits?

If you'd like to change or upgrade your Altus Dental plan, contact your account executive or e-mail employer@altusdental.com.

Q. Does the Affordable Care Act (ACA) affect my group’s dental benefits?

The Affordable Care Act (ACA) requires health plans offered by employers with 50 or fewer full-time equivalent employees to offer 10 Essential Health Benefits, including pediatric dental. Altus Dental has incorporated these required pediatric benefits into all of our plans for small businesses.

Q. Who is eligible for Medically Necessary Orthodontia under the ACA?

The Pediatric Dental Essential Health Benefit includes coverage for orthodontic services that are considered medically necessary for children under age 19 with serious orthodontic impairments that result from congenital abnormalities that affect their daily ability to function (for example, eating and speaking). Under the ACA, there are no lifetime or annual maximum limitations for medically necessary orthodontia, which is covered at 50%. Click here for more details.

 

Eligibility

Q. When can I enroll a new employee?

You can add a new employee to your group's coverage or make changes to an employee's coverage status during open enrollment, or when an employee is hired or terminated. You can also make changes during "qualifying events," such as:

  • Marriage
  • Change to employment status
  • Loss of coverage
  • Birth or adoption
  • Divorce
  • Death of a member
  • Family medical or disability leave
  • Workers' Compensation leave


Q. Who is covered on a family plan?

An individual membership covers the employee only. A family membership covers the employee, spouse, dependent children until they turn age 21 (or age 26, depending on your plan's eligibility rules) and handicapped dependent children over age 19 who are mentally or physically incapable of earning their own living.


Q. Are dependents covered after age 21?

Dependent coverage varies by group. Some employers have extended dependent coverage to age 26, in keeping with Affordable Care Act guidelines. If you extend dependent coverage to age 26, we do not need any additional documentation for dependents over age 21.

Student Coverage
Some employer groups offer coverage for students beyond the dependent age limitations. If you offer coverage for students, your employee (the enrolled member) must complete a student certification form annually.

If your group has selected student coverage, we will provide a list of employees with dependents who are eligible to continue coverage under your plan, as well as those with dependents who have reached your group's maximum age for students. Please have your employee complete and return the student re-certification form.


Q. What if I forgot to add or cancel an employee’s coverage?

Altus Dental has a 30-day retroactive policy for adding or canceling employees from your plan. Retroactivity occurs when you notify us about an addition, change or termination after the requested effective date has passed. However, if we paid a claim after the requested retroactive termination date, your employee will be terminated on the last day of the month in which the claim was paid.

 

Billing

Q. When is my premium payment due?

Payment is due on the first of each month to cover that month's premium.


Q. When will I receive my monthly invoice?

You'll receive a monthly invoice approximately 10 days before the first of the month, reflecting current and prior billing information, payment information from the previous month and any reported eligibility changes. Your invoice shows a cut-off date for enrollment, as well as payments received.


Q. Do you offer an Auto Payment option?

Yes, you can have your monthly premium automatically deducted from your bank account. Contact Billing Services at
1-877-223-2388 to set up automatic payments.

 

Ordering ID Cards

You can order ID cards for new employees or replacement cards for current employees through our online enrollment system. Allow five to 10 days for processing and mailing. If a new employee has an upcoming dental visit, you can print a paper card directly from our website. We provide one card for individuals and two cards for family plans.

Remember: All cards are issued in the subscriber's name only — dependent names are not shown.

 

Member Services

Altus Dental offers your employees all the tools they need to manage their dental coverage online, as well as our automated InfoLine, available 24 hours a day. Our knowledgeable customer service representatives are available to answer more complex service questions Monday through Friday from 8 a.m. to 5 p.m., ET. Call 1-877-223-0588 or e-mail customerservice@altusdental.com.

 

Oral Health Education

Our website offers information on a range of oral health topics, from brushing and flossing to the importance of good nutrition in maintaining a healthy smile. Click here to learn more.