A Hawaiian mother and her daughter with beautiful teeth and healthy smiles.
/  Why Hmsa Dental

Why HMSA Dental?

You know HMSA for our commitment to the health of our community, but did you know that dental health is connected to overall health in many ways? Dental services and insurance have long been separated from the rest of health care and health insurance, but we’re working to change that. HMSA offers dental plans that integrate with our medical plans to promote better health for your employees and their families.

Dental plan options for every need

HMSA offers a range of dental plans, including both PPO and HMO plans.

Our PPO dental plans offer a range of benefits and a provider network that includes over 90% of dentists in Hawaii. This means more choices for your employees and their families to find the plan that best meets their needs.

Our HMO dental plan is the only one available from a Hawaii-based insurer. It provides a cost-effective option for those who want rich benefits, but don’t need access to a large network of dentists.

Health+Dental integration to promote better total health

Dental health has a significant, direct impact on the overall health and medical costs of your employees, especially those who have certain medical conditions. When we treat employees and their family members proactively, our integrated plans give members access to the resources they need to stay as healthy as possible for as long as possible.

HMSA’s Oral Health for Total Health program provides your employees with enhanced dental benefits that help improve their oral health and help them manage certain medical conditions at no extra cost.

Working with our health care partners enables us to reach out to eligible members and provide them with the information and resources they need to get—and keep—their mouths healthy and enjoy total health.

These benefits are valued at over $1,000 and are covered 100% when performed by a participating dental provider. There are no deductibles, copayments, or coinsurance. And the benefits don’t count toward the annual maximum.

A large provider network

More than 90% of dentists in Hawaii participate in HMSA’s PPO dental network. For our cost-effective HMO dental plan, services are provided through our partnership with Hawaii Family Dental.

We also have a large national network, with over 100,000 unique providers and more than 350,000 access points. It’s growing, too—our national network is over 13% larger in 2020. The strength of our local and Mainland networks gives your employees easy access to the care they need, when and where they need it.

*Ruark Consulting, “2018 PPO Network Study,” 2019.

Calendar Year Rollover

We understand that members may not use all their benefit dollars each year. So we created a way for them to accumulate those extra dollars.

Calendar Year Rollover allows members to save unused benefit dollars in a given year to use in future years. Members can plan and schedule major services in advance or just have additional benefit dollars available that they can use when faced with an unexpected procedure or emergency.

Here's an example of how it works:

(Based on an annual plan maximum of $1,000)

 1  If you use less than $500 of the annual maximum, then the $350 rollover amount is applied to the next year.
 2  In year two, your total benefit is now the $1,000 annual maximum + $350 in rollover dollars, or $1,350.
 3  In year three (if you qualify again in year two), your benefit level becomes $1,350 + $350 = $1,700.
 4  Your annual maximum plus rollover dollars can ultimately add up to $2,000 in plan benefits -
total amount the plan will pay for your dental care.

Exceptional local service

At HMSA, we’re committed to providing the highest level of service to our members. We live and work in your community. Members of our local service team are your neighbors.

You can count on us to provide you and your employees with quick, helpful service at our HMSA Centers, online, or on the phone. We also make plan benefits and resources available online in a member’s My Account.

HMSA Dental Service Metrics

  • Average speed to answer: 12 seconds
  • Abandonment rate: 1.8%
  • First call resolution: 99.6%
  • Claims processed in <14 days: 96%
  • Claims accuracy: 100%