How Altus Dental Works

To make sure you get the maximum out of your dental plan, it's important to know how your plan works.

You can choose the method of payment that works best for you – automatic deduction from your bank account, credit card or debit card.

  • One-time, non-refundable enrollment fee:
    You will be charged upfront for the first three months' premium. In addition, there is a $35 non-refundable enrollment fee for your new coverage. This fee will be charged to your bank account or credit/debit card at the time of enrollment.

  • Payment by automatic withdrawal:
    We will deduct your monthly payments directly from your bank account or credit card (VISA, MasterCard or Discover). If you choose to pay via direct withdrawal from your bank account, you will receive a $2 per month discount.

  • Your costs will be higher if you visit a non-network dentist:
    We recommend that you visit a dentist that belongs to our network – otherwise, your out-of-pocket costs may be higher. Dentists that participate with us will not bill you for any balances beyond your "You Pay" amount for covered services, and will file claims directly with us on your behalf.

To view the Certificate of Coverage, click here.

Learn more about out-of-network coverage

"Out of network” means that you have chosen to see a dentist who does not belong to our contracted dental network. Your out-of-pocket costs may be higher because we do not have a contractual agreement with the dentist.

When you see a dentist that is out of network, you must first pay $250 for any of the services listed in the “Schedule” before we pay for any covered service. This upfront payment is called a “deductible.” Once the deductible is met, you are responsible for the “You Pay” amount for that particular covered service, plus any difference between what your dentist charges and the amount we pay. Our payment is the lower of the amount the dentist actually charges or the amount we determine to be what most dentists in the same geographic area will charge.