Member frequently asked questions (FAQ)
Use our find a dentist tool to search for a dental care provider in your plan’s network.
If you can’t find a contracted Liberty dentist within a reasonable distance from your home or work, please contact Liberty Member Services. If a contracted dentist cannot be located, Liberty will arrange for your covered dental services to be provided by dentist in your area.
If your current dentist is not contracted with Liberty, we can ask them if they would like to join our network. To get started, use our online form to nominate a dentist for Liberty’s network.
Once you are eligible under your plan, you may call your primary care dentist to schedule an appointment. Be sure to identify yourself as a member of Liberty Dental Plan when you call. We also suggest you take your evidence of coverage or summary plan description with you when you go for your appointment. This will assist in determining your out-of-pocket costs.
For Liberty EPO plans, you must use a Liberty network general practice or specialty care provider to receive your benefits. There are no benefits outside of the network.
For Liberty PPO plans, you have access to a large network of general dentists and specialists. While this plan may allow you to go to any licensed dentist, out-of-pocket costs will be reduced by using a participating network provider. Refer to your summary plan description for complete benefit details.
For Liberty HMO plans, you must select a primary care dentist when enrolling in the Plan. Your primary care dentist will be responsible for providing dental care for you and your eligible dependents. There are times when your primary care dentist may recommend treatment from a specialist. Liberty will coordinate specialty services through a referral process.
If you have Liberty Dental Plan EPO or PPO coverage, you do not need a physical ID card to visit an in-network dentist. When you to go your appointment, simply provide one of the following:
Liberty member number (viewable in the Member Portal)
Social Security number
ID card number
Another valid form of identification
The dental office can use that information to verify your eligibility and benefits.
If you have Liberty Dental Plan HMO coverage, you may be asked to provide a physical ID card to obtain care from your assigned primary care dentist.
You can request an ID card through the Member Portal or the Liberty mobile app.
If you don’t have internet access, you can request an ID card by contacting Liberty Member Services.
Liberty Dental Plan HMO Plan members that are assigned to a primary care dentist may change their assignment through Liberty’s mobile app or by contacting Liberty Member Services.
Requests received by the 20th day of any month will be effective the first day of the following month.
Liberty Dental Plan EPO and PPO members are not assigned to a specific primary care dentist. You are free to access dental benefits from the network provider of your choice. For EPO members, there are no benefits when seeking care outside of the network.
Please refer to your evidence of coverage booklet or summary of benefits in the Member Portal for plan details.
If your dental care will be extensive, you may ask your primary care provider to complete a pretreatment estimate. This will allow you to know in advance what procedures are covered, the amount Liberty Dental Plan will pay toward treatment, and your financial responsibility.
A pretreatment estimate is not a guarantee of payment. When the services are complete and a claim is received for payment, Liberty Dental Plan will calculate its payment based on your eligibility status and benefits at the time services were rendered.
For Liberty Dental Plan EPO members, if you are experiencing pain, bleeding, or swelling and cannot be seen by a network provider, you may use any provider to receive emergency care. Liberty will reimburse you for eligible emergency dental expenses up to $75 per benefit year, after any applicable copays.
For Liberty Dental Plan PPO members, if you are experiencing pain, bleeding, or swelling, you may use any provider to receive emergency care. PPO members seeking emergency services from an out-of-network provider may have higher out-of-pocket costs. Please refer to your summary of benefits in the Member Portal for plan details.
For Liberty Dental Plan HMO members, if you are experiencing pain, bleeding, or swelling, contact your primary care dentist for an appointment. If your primary care dentist is not available, you may receive emergency dental treatment at any dental office. Liberty will reimburse you for eligible emergency dental expenses up to $75 per benefit year, after any applicable copays.
There may be situations where you require medication as a result of a dental procedure or due to a dental condition. Your health plan coverage may include access to medication. Medication coverage is not a benefit through Liberty Dental Plan.
Typically, preexisting conditions are not excluded from coverage. If needed, your primary care dentist can determine if you have a preexisting condition.