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Frequently Asked Questions
Q: How is the DentaCert Member Dental Plan different than
other plans?
A: The DentaCert Member Plan is an association group
insurance plan.
The plan is designed to keep costs low and reduce or eliminate annual rate increases. The member has the freedom to choose among three plan designs and select the best plan for his/her budget.
Q: What is the importance of the Association?
A: The DentaCert plan is designed exclusively for the
members of NWHA (NationalWay Healthcare Association). The
Association has thousands of members throughout the United
States enabling the Association to use its massive buying
power to offer its members economical, guaranteed issue,
member dental and medical benefits that cannot normally be
purchased as an individual.
New Jersey State First
Aid Council has partnered with NWHA to bring these
benefits to you.
Q: Why is "Guaranteed Issue" important?
A: Acceptance in the DentaCert Member Dental Plan is
guaranteed for all members of NWHA and
New Jersey State First
Aid Council. When buying a
traditional dental plan, many individuals are faced with
exclusions or extended waiting periods. However, with the
DentaCert Member Dental Plan, no qualification questions are
ever asked, premiums are never rated up for any reason and
there are few to no waiting periods for most procedures.
Q: Can I use my own dentist?
A: Yes, the DentaCert Member Dental Plan provides a schedule
for each dental procedure allowing the freedom to choose any
dentist or specialist. If one of the contracted providers is
used, your out-of-pocket expense will be reduced by
significantly more.
Q: Are there waiting periods?
A: There are no waiting periods for any preventive (oral
exams, sealants, and fluoride ), diagnostic (bite wing
x-rays) or basic dental procedures (extractions, fillings,
repairs). These benefits can be used immediately upon plan
activation. There is only a six (6) month waiting period for
major procedures and Twelve (12) month waiting period for
orthodontics when covered.
Q: How do I enroll?
A: Members of NWHA may choose to participate in the
DentaCert Member Dental Plan as an advantage of membership.
Enrollment is simple and can be completed with a
representative, in person or over the phone. No health
questions will be asked and acceptance is guaranteed.
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