FAQ - LIBERTY Dental Plan
LIBERTY Dental Plan HMO and Discount dental plans are provided to California residents, their dependent spouses and children (up to the age of 26 years old). We are committed to competitive and quality dental benefits and services – and we are passionate in our insistence on offering exceptional service. When it comes to innovative and affordable dental benefits – and the utmost in member satisfaction – people know LIBERTY Dental Plan is a name you can trust.
Who do I call to learn more about the Liberty Dental Plan benefits?
Most of the questions you may have are listed below. After reviewing the FAQs you can call us at (888)273-2719 and ask for an Online Representative (Extension #258 or 134).
Is this an HMO or a PPO?
LIBERTY Dental Plan only provides HMO and DISCOUNT plans to Individual and Families that reside in the state of California. Any of our PPO plans are for Groups and can only be provided through your employer.
What is the Senior Rate?
The Senior rate is a discounted annual premium offered when the primary member is 65+ years of age. There is no difference in the dental coverage provided with the Senior Rate.
What are the levels of coverage available?
  1. Member: One adult with no dependents.
  2. Member +1: One primary adult and one dependent.
  3. Member +2 or more: One primary adult and two or more dependents.
Eligible dependents include:
  • Your spouse or domestic partner
  • Unmarried dependent children who are up to the age of 26
  • Disabled children (over the age of 26) dependent upon you for support and are not able to support themselves due to physical or mental handicap
  • Adopted or step children meeting the above requirements

LIBERTY will activate your plan upon receiving all required supporting documents with proof of guardianship and/or disability and handicap, as applicable.

Can I add my parents or brothers and sisters to my plan?
No. You can only add your spouse (Domestic Partner) and children up to the age of 26.
Do I have to choose a network general dentist?
Yes. In order to take advantage of the cost savings of our plans, you must select a dentist and use him or her for your dental care. If you require specialty care, your network general dentist will refer you to a network specialist.
What if my dentist is not on your list?
That means your dentist does not participate in the LIBERTY Dental Plan network. You should select a doctor from the list of participating dentists. Services provided by a non-network dentist without LIBERTY Dental Plan’s prior approval (except emergencies) are not covered under your plan. Participating dentists must meet standards to become a part of the network.
How do I find participating dentists?
Search for participating dentists by visiting the online directory here.
Can my current dentist be added to your network?
If your current dentist accepts HMO’s and meets our credentialing standards and is interested in becoming a participating provider, he or she can call (888)703-6999 to get more information on joining the network.
Is there a maximum usage of the plan?
No. Liberty Dental Plan does NOT have a maximum amount of coverage. Unlike many Dental Insurance Plans, Liberty Dental Plan will continue to provide coverage for the entire year, no matter how much you have used your Plan. Please see Limitations & Exclusions for more details.
When does my plan become effective?
Upon enrollment into an Individual/Family Plan online, your plan will be activated within 2 business days upon verification of credit card approval.
How do I receive care?
You must select a Primary Care Dentist when enrolling in the CA50 HMO Plan. (See note below for Plans CA80 Discount and CA90 enrollees.) This dentist will be responsible for providing the dental care needs for you and your family, including referring you to a specialist should it be necessary. You may select any LIBERTY Dental Plan contracted provider accepting your Plan. However, you may want to consider a choice convenient to your residence or work. You and your entire family must use the same dentist.
If you wish to change to another LIBERTY Dental Plan contracted provider, simply contact our Member Services Department (888-703-6999) by the 20th day of any month and the change will be effective the first day of the following month.
All services and benefits under our Plans are covered only if provided by a contracted LIBERTY Dental Plan participating Primary Care Dentist or if referred to a Dental Specialist by LIBERTY Dental Plan. The only time you may receive care outside of the network is for true emergency dental services necessary when you are out-of-the area or cannot contact your Primary Care Dentist or LIBERTY Dental Plan. LIBERTY Dental Plan will reimburse you for true emergency dental treatment expenses up to a maximum of $75.00 per year, less applicable co-payments.
Please NOTE: Those enrolling in Plan CA80 and CA90 do not need to select a Primary Care Dentist at the point of enrollment. To access care with CA80 Discount and CA90 Plans, simply contact a LIBERTY Dental Plan provider who is contracted to provide services under your selected Plan for an appointment.
Are there waiting periods to be met?
  1. CA80 Plan and CA90 Plan (CA90 is available for renewals only):
  2. There are no waiting periods for the CA80 and CA90 Plans. Once your plan becomes effective, simply make an appointment with your selected provider. All covered procedures are covered from the time of activation of your plan.

  3. CA50 HMO Plan:
  4. If you submit your enrollment application and applicable premium payment for the CA50 HMO Plan, prior to the 20th day of any month, you are eligible to receive care on the first of the following month. If your selected dentist accepts you as a new patient upon activation of the CA50 HMO Plan, you will be eligible to receive care right away.

How do I make an appointment?
  1. CA80 Plan and CA90 Plan (CA90 is available for renewals only):
  2. If you submit your enrollment application and applicable premium payment for the CA80 Plan or CA90 Plan, you will receive an email notifying you of your plan’s activation within 2 business days. Upon receipt of your notice of Activation, you may make an appointment with any Liberty Dental Plan Network Provider immediately. You do not need to notify us of your choice of Network Provider.

  3. CA50 HMO Plan:
  4. If you submit your enrollment application and applicable premium payment for the CA50 HMO Plan, prior to the 20th day of any month, you are eligible to receive care on the first of the following month. Eligibility for applications and payment received the CA50 HMO Plan after the 20th day of the month will be effective the first of the month following the next month. If your selected dentist accepts you as a new patient upon activation of the CA50 HMO Plan, you will be eligible to receive care right away.

Once you are eligible under the Plan, you may call your selected dentist to schedule an appointment. Be sure to identify yourself as a member of LIBERTY Dental Plan when you call. We also suggest you keep your Evidence of Coverage and Schedule of Benefits handy when you go for your appointment. This way you can determine your benefits and applicable co-payments when receiving your treatment plan from your dentist.
Are my cleanings covered?
Yes. LIBERTY Dental covers routine cleaning (prophylaxis) at your selected dental office once every 6 months. Some members may require more than a "routine" cleaning due to more involved dental needs. When more frequent cleaning or extensive treatment, such as root planning or scaling is required, your dentist may charge you additional co-payments.
What treatment does my plan cover?
LIBERTY Dental Plan covers the least expensive most commonly used and accepted American Dental Association treatments. Plan members may elect a more expensive treatment, but will be responsible for the cost difference.
What if I have pre-existing conditions?
Typically, pre-existing conditions are not excluded on pre-paid dental plans.
How will I know what my co-payment will be?
The copayment schedule is listed by procedure code in your Benefit Schedule. For questions, ask your dentist before you receive services and/or call the LIBERTY Dental Member Services Department at (888)703-6999.
Who do I call if I have a question?
Should you have a question or inquiry, a Member Services Representative will be glad to assist you. The toll-free number for the LIBERTY Dental Member Services Department is (888)703-6999 and operates Monday through Friday. You can also write an e-mail to us by clicking here.
The hearing and speech impaired may use the California Relay Service's toll-free telephone #2929 (TYTY) or (888)877-5378 (TTY) to contact the department.
LIBERTY Dental Plan of Florida, Inc. provides benefits as a Prepaid Limited Health Service Organization. LIBERTY’s HMO individual dental plan is provided to Florida residents, their dependent spouses and children (up to the age of 26 years old). We are committed to competitive and quality dental benefits and services – and we are passionate in our insistence on offering exceptional service. When it comes to innovative and affordable dental benefits – and the utmost in member satisfaction – people know LIBERTY Dental Plan is a name you can trust.
Who do I call to learn more about the LIBERTY benefits?
Most of the questions you may have are listed below. After reviewing the FAQs you can call our Sales Department at (888)273-2719 Monday-Friday.
Is this an HMO or a PPO?
LIBERTY provides an HMO plan to individual and families that reside in the state of Florida. Our PPO plans are available for groups only and can be provided through your employer.
What is an individual dental plan?
An individual plan is a product that can be purchased on a private basis and separately from any other group or employer sponsored product.
What are the levels of coverage available?
  1. Member: One adult with no dependents.
  2. Member +1: One primary adult and one dependent.
  3. Member +2 or more: One primary adult and two or more dependents.
Eligible dependents include:
  • Your spouse or domestic partner
  • Unmarried dependent children who are up to the age of 26
  • Disabled children (over the age of 26) dependent upon you for support and are not able to support themselves due to physical or mental handicap
  • Adopted or step children meeting the above requirements

LIBERTY will activate your plan upon receiving all required supporting documents with proof of guardianship and/or disability and handicap, as applicable.

Can I add my parents or brothers and sisters to my plan?
You can only add your spouse (domestic partner) and children up to the age of 26. Any family members that are not defined as eligible above can purchase a separate LIBERTY individual plan.
Do I have to choose a dentist?
Yes. All members and dependents must use the same contracted LIBERTY dentist, referred to as a network dentist. A list of network dentists can be found on our website by clicking HERE.
What if my dentist is not on your list?
You must select a network dentist from the list of participating dentists. Services provided by a non-network dentist without LIBERTY’s prior approval (except qualified emergencies) are not covered under your plan.
How do I find a network dentist?
Search for network dentists by visiting LIBERTY’s online directory HERE.
Can my current dentist be added to your network?
If your current dentist is interested in becoming a network dentist, he or she can call LIBERTY Member Services at (877) 877-1893 to get more information on joining LIBERTY’s network. At the time of enrollment, you must choose an available network dentist.
When does my plan become effective?
If the enrollment application and premium is received by the 20th of the month, membership in the FL800NS Plan will become effective on the first day of the following month. If enrollment is received on the 21st or after, membership in the FL800NS Plan will become effective on the first day of the second following month. For example, if you enroll on January 20, your plan will become effective on February 1. If you enroll on January 21, your plan will become effective on March 1. The contract term is good for 12 months from the date of coverage.
How do I receive care?
You must select a network dentist when enrolling in the FL800NS Plan. You can change dentists at any time by calling LIBERTY Member Services at (877) 877-1893 or send us an email. A change to your network dentist must be requested by the 20th day of the month to be effective the first of the following month. Click HERE to locate a network dentist.
As a member, you are able to make an appointment with your network dentist upon your plan’s effective date.
How do I receive emergency care when I am out of the network service area?
If you are unable to reach your network dentist, LIBERTY will reimburse you for qualified emergency dental expenses up to a maximum of $75.00 per year less applicable co-payments.
Are there waiting periods to be met?
No. Once you are an active member, you are eligible to receive care right away.
Are my cleanings covered?
Yes. LIBERTY covers two (2) prophylaxis (routine cleaning) or periodontal maintenance (after active periodontal treatment) within a twelve (12) month period. Some members may require more than a "routine" cleaning due to more involved dental needs. When more frequent cleaning or extensive treatment is required, such as root planning or scaling, your dentist may charge you additional co-payments.
What treatment does my plan cover?
LIBERTY covers a wide variety of the most commonly used dental procedures. For a complete list of covered benefits, limitations and exclusions, please refer to our Co-payment Schedule.
What if I have pre-existing conditions?
Most pre-existing conditions are covered. However, a procedure started prior to your coverage effective date will not be covered by the Plan.
How will I know what my co-payment will be?
Please refer to the Co-payment Schedule for a full description of covered procedure codes and applicable co-payments. For questions, ask your network dentist before you receive services and/or call the LIBERTY Member Services at (877) 877-1893.
Who do I call if I have a question?
Contact our Sales Department at (888)273-2719 Monday – Friday or send us an email.
The hearing and speech impaired may use the Florida Relay Service toll-free telephone numbers (800) 735-2929 (TTY) or (888) 877-5378 (TTY).