Nevada Individual Marketplace
 

Frequently Asked Questions

The following FAQs are for LIBERTY’s Family Plus Dental Plan Offered on the Federal Individual Marketplace for Nevada. This plan is only available to residents living in Clark, Nye and Washoe counties.

Prospective Members

When is Open Enrollment?

Open Enrollment starts in November and ends on January 31. For a January 1st effective date, members must be enrolled by December 15. Once open enrollment ends, members must have a qualifying event to qualify for a Special Enrollment Period. For information on which life events qualify, please check out Healthcare.gov for details.

Why choose a LIBERTY plan?

LIBERTY’s Family Plus Dental Plan offers members:
  • Benefits at copays – no claims required.
  • Concierge-style “live” customer service – calls are answered by a live person.
  • Online access to claims, eligibility and benefits, inquiries and more.
  • Access to a network of quality dental professionals.
  • Service from a local company that specializes in delivering a quality dental benefit experience.

Does the LIBERTY Family Plus Dental Plan include benefits for adults?

Yes! LIBERTY’s Family Plus Dental plan provides dental coverage for both children and adults. Dependent children are covered up to age 26.

How can I purchase a LIBERTY Family Plus Plan?

You may purchase our Family Plus Dental Plan through the Federal Exchange’s website at www.healthcare.gov.

If you need assistance, you may locate a certified agent or a certified assistor through the Federal Exchange’s website.

If I purchase a Health Plan with dental benefits included, can I still purchase dental benefits separately?

You may purchase dental benefits separately to provide coverage for family members not covered by your Health Plan’s pediatric dental benefits.

Dental benefits for adults are not considered an “essential health benefit” under the Patient Protection and Affordable Care Act (“Affordable Care Act”). Health plans that include embedded pediatric dental benefits only provide dental benefits for family members up to age 19.

Will I have to change my dentist if I purchase a LIBERTY Family Plus Dental Plan?

While the benefits work the same as a regular DHMO plan, there is no pre-selection or assignment to a network dentist. Each enrolled member of a family may choose a different contracted provider for their dental needs. This dental plan is not Medicaid, and depending on the services you receive, copayments are due at the time of the visit to the dental office. There are no waiting periods on this plan. Once you are an active member, you are eligible to receive care right away.

What is the difference between a standalone dental plan and embedded pediatric dental coverage?

A standalone dental plan is dental coverage that is offered separately from a health plan. Standalone dental plans include the pediatric dental benefits required by the Affordable Care Act and can include dental coverage for adults as well.

Embedded pediatric dental is dental coverage that is included in a health plan. Embedded pediatric dental plans share the out-of-pocket maximums with the health plan's other benefits and only include dental coverage for enrollees to age 19.

LIBERTY offers standalone Family Plus Dental plans through the Federal Health Insurance Marketplace.

Newly Enrolled Members

What are my benefits?

The Family Plus Dental Plan is a DHMO plan offered to individuals and families residing in in Clark, Nye and Washoe counties. This is not Medicaid, and depending on the services you receive, copays are due at the time of the visit to the dental office. There are no waiting periods on this plan. Once you are an active member, you are eligible to receive care right away. Please refer to the Copayment Schedule for a full description of covered procedure codes ad applicable copayments. The Copayment Schedule is available from our website and can be downloaded at any time. To view the Copayment Schedule, please visit Plan Details

I didn’t get an ID card. Do I need one?

On LIBERTY’s Family Plus Dental Plan, you may be asked to provide your ID card to your assigned Primary Care Dentist to obtain care.

To get an ID Card, you may print a copy of your ID card by logging into our iTransact web portal.

TIP: When creating your account, be sure to add the -01 at the end of your member number. For example: 1234567-01

Please note that LIBERTY will always use the mailing address you provided to the Marketplace as the address for sending any correspondence, including invoices and ID cards. If you have moved, please contact the Marketplace to ensure your address is correct. Upon your notification, the Marketplace will work with LIBERTY to get your address corrected.

Who is my assigned provider?

While the benefits work the same as a regular DHMO plan, there is no pre-selection or assignment to a network dentist. Each enrolled member of a family may choose a different contracted provider for their dental needs. This dental plan is not Medicaid, and depending on the services you receive, copayments are due at the time of the visit to the dental office. There are no waiting periods on this plan. Once you are an active member, you are eligible to receive care right away.

How can I update my address?

LIBERTY will always use the mailing address you provided to the Marketplace as the address for sending any correspondence, including invoices and ID cards. If you have moved, please contact the Marketplace to ensure your address is correct. Upon your notification, the Marketplace will work with LIBERTY to get your address corrected.

How can I cancel my coverage?

To request a cancellation or termination of your coverage, please complete our online form, and you will receive by mail confirmation of your cancellation/termination.

I signed up for a LIBERTY Family Plus Dental Plan, how do I know I’m enrolled?

To activate your coverage, LIBERTY must receive your application and the first month’s premium (”initial binder payment”). Please allow up to 10 business days from the date you signed up for the processing of your dental plan enrollment. While the Federal Exchange sends your application directly to us, you must pay LIBERTY directly for the first month’s premium. When you completed the application process through Healthcare.gov, the Federal Exchange provided you a link to LIBERTY’s online shopping cart. By clicking on this link, the required information we need is automatically provided to us, and you will have the option to pay by Credit Card, Debit Card, or electronic check. If you prefer to mail in your payment, you can print your purchase order and mail it along with a check or money order.

Once your coverage is activated, you will receive a welcome kit and an ID card in the mail.

If you still don’t know if you’re enrolled, you may contact LIBERTY at (866) 609-0417, Monday through Friday, 8am to 5pm to receive a status of your application with LIBERTY.

Payment Related FAQ’s

I still need to pay for my dental coverage, but I haven’t received a bill yet. What do I do?

LIBERTY will send you a notice that your initial binder payment is still needed to activate your coverage. However, you may make your payment at any time as long as you meet the payment deadline of the 15th of the month (starting January 15th). Please allow up to 10 business days from the date you signed up for the processing of your dental plan enrollment.

The easiest way to pay is by logging into your Healthcare.gov account. When you completed the application process through Healthcare.gov, the Federal Exchange provided you a link to LIBERTY’s online shopping cart. By clicking on this link, the required information we need is automatically provided to us, and you will have the option to pay by Credit Card, Debit Card, or electronic check. If you prefer to mail in your payment, you can print your purchase order and mail it along with a check or money order.

You can also access our payment site directly. We will need your information, the names of those you are purchasing coverage for, the Plan ID # and the premium amount that appears on your summary page.

Can I use my dental benefits before I pay my invoice?

If you are a new enrollee, your coverage must be activated before using your dental benefits. To activate your coverage, LIBERTY must receive your application and the first month’s premium (initial binder payment). Please allow up to 10 business days from the date you signed up for the processing of your dental plan enrollment.

When you completed the application process through Healthcare.gov, the Federal Exchange provided you a link to LIBERTY’s online shopping cart. By clicking on this link, the required information we need is automatically provided to us, and you will have the option to pay by Credit Card, Debit Card, or electronic check. If you prefer to mail in your payment, you can print your purchase order and mail it along with a check or money order.

Once your coverage is activated, you will receive a welcome kit and an ID card in the mail.

If your coverage was activated, your plan will remain active as long as you make your payments before the end of the grace period. “Grace period” means a period of 30 days beginning on the first day after the last day of paid coverage.

What is the payment deadline?

An initial binder payment, to activate your coverage, is due on the 15th of the month your coverage begins. For example, for a January 1 effective date, payment is due by January 15th. If your coverage was activated, your plan will remain active as long as you make your payments before the grace period ends.

What happens if I didn’t pay on time? Can I still pay my premium?

LIBERTY does not accept late payments. Initial binder payments must be received before the payment deadline included on your initial binder letter.

If your coverage was already activated, your plan will remain active as long as you make payments before the grace period ends. “Grace period” means a period of 30 days beginning on the first day after the last day of paid coverage. LIBERTY’s invoice will explain when your grace period begins and when it ends. If payment is not received by the end of the grace period, your coverage will be terminated.

Late payments will be refunded, and your coverage will remain canceled or terminated.

Why is CPOL/IVR reflecting a “0.00“ balance when monthly premium is due and hasn’t been paid yet?

Only balances due for active coverage will appear on the CPOL/IVR. This is to prevent over payment. Please review your payment history to verify if a payment was previously submitted. This can be accessed through the CPOL under “My Payments“.

Please note that we do not accept late payments or payments for previously termed coverage. If your coverage has been previously termed or the Marketplace has determined you are ineligible, a 0 balance will appear.

If none of these apply, please contact us.

What if I didn’t get an invoice?

Invoices can be reviewed electronically 24/7 through our online payment portal located at: https://libertydentalplan.ixt.com. We also offer auto payment plans that can be set up online through our online payment portal and will allow you to schedule payments.

If you choose to receive invoices by mail, these are mailed to the address on record with the Marketplace. If you have moved, please contact the Marketplace to ensure your address is correct. Upon your notification, the Marketplace will work with LIBERTY to get your address corrected. Please note that LIBERTY will always use the mailing address as the address for sending any correspondence, including invoices and ID cards.

How do I know how much my premium is?

If you haven’t activated your coverage yet, logging into your Healthcare.gov account is the easiest way to find out what your monthly premium is.

If your coverage is activated, the monthly premium amount will appear on your monthly bill. Invoices can be reviewed electronically through our online payment portal located at: https://libertydentalplan.ixt.com

How do I make monthly payments?

LIBERTY offers members access to our Consumer Pay Online Portal (“CPOL“). To access the CPOL, visit https://libertydentalplan.ixt.com to set up an account and to use this convenient service. The CPOL provides you the option to enroll for a secure account and log in to make a payment, or to make a quick payment without logging in. We highly recommend you create a CPOL account for the first time.

Benefits of creating an account include:
  • Set-up AutoPay and never miss a payment
  • 24/7 access to account balances and statements
  • Pay premiums anywhere you have internet access
  • Opt-out of mailed statements in favor of email notification
  • Email notification of when balances are due

Can I make my payment over the phone?

Yes, you can make your payment using our automated payment system at (877) 484-4345.

Where do I send my check or money order?

Checks should be made payable to LIBERTY Dental Plan. Submit money orders or checks to:
LIBERTY Dental Plan of Nevada, Inc.
Mailstop: 87240014
P.O. Box 660535
Dallas, TX 75266-0535

How do I use the Online Payment Portal to make payments?

Please refer to the tutorial below for a step by step guide.
CPOL Tutorial for LDP Members

Can I set up Autopayments?

Yes. Our CPOL lets you set up, activate, deactivate and update credit card information online. To do this, you must have a registered account. Please refer to the tutorial below for a step by step guide.

CPOL Tutorial for LDP Members

Will I get an email when payment is due?

Yes. If you registered for an account through our CPOL, you will be emailed when an invoice is ready to review.

Invoices can be reviewed electronically through our online payment portal located at:
CPOL Tutorial for LDP Members

I am unable to access my online account.

Before we can assist you, please make sure the following has been checked:
  1. Was your subscriber number entered correctly, without a “–“ and ending with “01“? Example: “123455601“
  2. Check User Name and Passwords.
    1. The User Name should be the email you registered the account on. If you don’t remember which email you used, we recommend clicking on “Forgot Username“ on the Online Payment Portal home page.
  3. Did you try to reset your password?
    1. An email to reset your password will be sent to the email you registered with. Make sure to check your spam folder.
Please note that users cannot be locked out of our online payment system. If you continue to have trouble logging on, contact us at (866) 609-0417.

I applied for autopayments in 2017, are these active through CPOL?

No. The CPOL is a new 2018 payment system. Only autopayment plans setup for coverage starting 1/1/18 and after are available through the CPOL. To access the CPOL, visit https://libertydentalplan.ixt.com/ to set up an account and to use this convenient service.

Transparency in Coverage

Please view our Nevada Transparency in Coverage page.

Still Have Questions?

Call LIBERTY at (866) 609-0417, Monday through Friday, 8am to 6pm. Send us an email.

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