Why HMSA Dental?

HMSA offers PPO and HMO dental plans that provide your employees and their families with more dental coverage and savings where it counts. Our plans help promote better overall health and feature deep in-network savings. You can choose from fully insured and self-insured plans – both can be customized.

HMSA is the only Hawaii dental insurer to credential dentists to National Committee for Quality Assurance (NCQA) standards.
More features unique to HMSA add value and save money.
Better employee wellness is supported by integration with HMSA medical plans.
Deep in-network discounts are negotiated with participating dentists.

PPO plans

• More than 90% of dentists in Hawaii are in network.
• Over 100,000 dentists nationwide.
• Low or no cost for preventive care.

HMO plans

• Hawaii’s only dental HMO.
• Low, fixed copayments and predictable costs.
• No annual maximum.
• Choice of independent or Hawaii Family Dental dentists.

Integrated care for better health – and lower costs

Preventive dental care has been shown to improve health outcomes and reduce the need for more costly dental or health care later – especially for employees with certain medical conditions, such as diabetes and heart disease.

Through our Oral Health for Total Health^SM program, HMSA dental and medical plans work together to help your employees live healthier and lower the risk of costly downstream dental and medical expenses. The additional preventive dental benefits included in the program at no extra cost can improve health outcomes, enhance productivity, reduce absenteeism, and decrease medical costs.

Employees with eligible medical conditions are automatically enrolled if they also have an HMSA medical plan. Employees with only an HMSA dental plan can easily self-enroll online. Automatic enrollment and proactive outreach drive higher participation.

Calendar Year Rollover

Plans that include our Calendar Year Rollover program allow employees to save a portion of unused benefit dollars for use in future years. To qualify, total claims paid must not exceed a specific “threshold” amount that corresponds to a plan’s calendar-year maximum ($1,000, $1,200, $1,500, or $2,000). For example, with plans that have a $1,500 maximum, employees can potentially accumulate up to $2,750 in total annual benefits.

Preventive Care Waiver

Our Preventive Care Waiver gives your employees easy, affordable access to select diagnostic and preventive services, such as X-rays and cleanings. These services don’t count toward their plan’s calendar-year maximum. HMSA is the only insurance carrier in Hawaii that offers the combined value of a Preventive Care Waiver and a rollover benefit.

A strong local presence

We maintain offices and walk-in HMSA Centers throughout Hawaii. Your employees can expect convenient, responsive support in person, by phone, or online. They can easily – and securely – access benefit and claims information and additional resources by logging in to HMSA’s My Account. We consistently exceed industry standards for responsiveness, first-call resolution, and claim accuracy and turnaround time.

One carrier for medical and dental benefits

A benefits package that includes HMSA medical and dental plans provides you with the convenience of joint billing and account management.

HMSA dental plans maximize the value of your benefits package and demonstrate your commitment to your employees’ total health and financial well-being.