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Looking for your Member Payment Page? For a list of providers, visit deltadentalins.com/aarp/find-a-dentist.html. Check your eligibility and apply for the benefit atwww.benefits.gov/benefit/300., If your Medicare or private health plan doesnt have dental benefits, you can shop for a stand-alone dental plan. You may experience delays in obtaining a refund for the excess amounts. Dual dental coverage typically occurs when you have two jobs that each provide dental benefits, or you are covered by your spouse's dental plan in addition to your own. You can pay your Delta Dental bill online by EFT (Electronic Fund Transfer). Clearly, you'd be ahead to simply put aside $450 a year in a fund dedicated to paying dental bills. Create an account. AARP Delta Dental Insurance Just got a new bill for $17.00 after just having paid my $425 quarterly payment. Sign in to myuhc.com. The cost of the crown was $805. Join today and save 25% off the standard annual rate. A growing number of dental offices offer their own in-office plans for patients that do not otherwise have dental benefits, Sahota says. All of those matters are things that you should decide, in consultation with your dental care professionals. Preventive care coverage varies by plan and by demographic considerations such as age. Copyright 2023 Delta Dental Plans Association. Date of . AARP Dental Insurance Plan This website is the home of Delta Dental of California; Delta Dental Insurance Company; Delta Dental of Pennsylvania; Delta Dental of New York, Inc.; Delta Dental of the District of Columbia; Delta Dental of Delaware, Inc.; Delta Dental of West Virginia, Inc. and their affiliated companies. ET, Saturday, [[state-start:null,AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NC,ND,OH,OK,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,WA,VA,DC,WV,WI,WY]]Medicare Supplement Insurance plans Call toll-free 1 (888) 899-3734. These companies are financially responsible for their own products. MEMBER / REFERENCE ID. to search for ways to make a difference in your community at See how much you can potentially save with an in-network dentist:*. Delta Dental of New Jersey and Delta Dental of Connecticut insurance coverage is subject to the Prompt Payment laws and regulations in their respective states. If you do not have a member login, you need to determine which Delta Dental handles your insurance. [[state-start:null,AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NC,ND,OH,OK,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,WA,VA,DC,WV,WI,WY]]. For a list of providers, visit deltadentalins.com/aarp/find-a-dentist.html. Must be an AARP member to enroll. These fees are used for the general purposes of AARP. Claims will be processed when received according to your plan provisions. In Florida, Delta Dental Insurance Company provides DeltaCare USA Plan benefits as a Prepaid Limited Health Service Organization as described in Chapter 636 of the Florida Statutes. It says it is for a CA (Calif) Surcharge and appears to be a monthly charge. If you live outside the U.S., you may see information on this cost estimator about products or services that are not available or authorized in your country. Brushing twice a day with a fluoride toothpaste, cleaning in between your teeth, maintaining a healthy diet and visiting your dentist can help keep your body healthy and keep dental costs down.. Get the most comprehensive plan with the highest coverage for services at a moderate rate. There are two online payment methods you can use: ACH Debit/Auto Pay* and Alacriti Payments LLC, a service of Bank of America. If making a payment for the entire year, you will only need to submit one bill along with a check for the total premium amount due for the year. If you have a Medicare Advantage plan or prescription drug plan with a monthly premium, you have several options for paying. Use free or low-cost dental providersSome nonprofits and government-funded health clinics provide free or reduced-cost dental services (often based on income). The Dental Care Cost Estimator provides an estimate and does not guarantee the exact fees for dental procedures, what services your dental benefits plan will cover or your out-of-pocket costs. Where offered, the DeltaCare USA plan (Contract 76777) is underwritten by Alpha Dental of Arizona, Inc. in AZ, by Alpha Dental of New Mexico, Inc. in NM, by Alpha Dental Programs, Inc. in IL, KY, MD, MO, OH and TX, by Delta Dental Insurance Company in DC, FL, GA, TN and WV, by Delta Dental of California in CA, by Delta Dental of New York, Inc. in NY, by Delta Dental of Pennsylvania in PA, and by Dentegra Insurance Company in CO. I went in for my first regular check up since I signed up for Delta. AARP Membership $12 for your first year when you sign up for Automatic Renewal. Check your electronic statements to see what, if anything, you owe the dentist. These companies are financially responsible for their own products. Some plans require you to visityour selected primary caredentist. No waiting period . 9 a.m. 5 p.m. 7 a.m. 11 p.m. Policies issued in the state of: The description of different treatment categories, and the inclusion of particular services in a treatmentcategory,is not advice that any particular treatment category is the right treatment for you or that you should not obtain any particular treatment. Thank you for your interest in making a payment! Find a listing of more than 1,000 Delta Dental PPO provider locations in Colorado and hundreds of thousands of Delta Dental network providers nationwide at www.DeltaDentalCoversMe.com, or call 888-899-3734. Use of this website in no way increases or decreases the benefits available under a dental benefit plan. Breaking News on Health Insurance, Medicare and the ACA - AARP Create an account to view your coverage, get personalized out-of-pocket cost estimates, and more! If you are a group member, your . Where offered, the DeltaCare USA plan (Contract 76777) is underwritten by Alpha Dental of Arizona, Inc. in AZ, by Alpha Dental of New Mexico, Inc. in NM, by Alpha Dental Programs, Inc. in IL, KY, MD, MO, OH and TX, by Delta Dental Insurance Company in DC, FL, GA, TN and WV, by Delta Dental of California in CA, by Delta Dental of New York . Log in | Dentegra Most dentists are willing to set up payment plans. The AARP Dental Insurance Plan, administered by Delta Dental Insurance Company, offers individual or family coverage for the most common dental procedures. "Delta Dental" refers to the national network of 39 independent Delta Dental companies that provide dental insurance. Please scroll down and accept to proceed. Delta Dental Insurance Company | Complaints | Better Business Bureau Wisconsin are underwritten by Delta Dental of Wisconsin.All policies are administered, at least in part, by Delta Dental of Wisconsin and/or its subsidiary, Wyssta Services, Inc. AARP Delta Dental Insurance - AARP Online Community Our Dental Care Cost Estimator tool provides estimated cost ranges for common dental care needs. Delta Dental Insurance Company Copyright 2023 Delta Dental. Make adjustments to the template. For Texas residents your Master Policy Form number is TX-AMD-MC-DPO-D-DC(DELTAUSA1-2005). MORE ON HEALTH INSURANCE. Call UnitedHealthcare at: 1If you are receiving help from a plan sponsor (former employer, union or trust administrator) or State Pharmaceutical Assistance Program (SPAP) you have the right to elect automatic deductions from your Social Security benefit check. Annual maximum insurance payout: 10% of score. Policy Holder Information. The plans are administered by Delta Dental Insurance Company. *Not sure where your company is headquartered? The 11 digit number that begins with 07 or 08 found on your Delta Dental ID card. Floss! They paid $48 on a $171 bill. Check out Virtual Consult, Check out our new DeltaVision plans ATTENTION: We no longer support Internet Explorer (IE) or certain versions of other browsers. *If you have submitted an Authorization . 2023 United HealthCare Services, Inc. All rights reserved. Delta Dental through AARP - AARP Online Community To get started: Create an online account on your bank's website or app, if you don't already have one. For Texas residents your Master Policy Form number is TX-AMD-MC-DPO-D-DC(DELTAUSA1-2005). AARP Dental Insurance Review 2023 - Forbes Advisor Alpharetta, GA 30023. Call UnitedHealthcare at: Already a member? The data is based on actual, non-discounted charges that providers have billed. Preventive services are included in this tool. Note: Whatever payment option you chooseElectronic Funds Transfer (EFT . One-time payment. Get instant access to members-only products and hundreds of discounts, a FREE second membership, and a subscription toAARP The Magazine. receive communications related to AARP volunteering. Benefits vary, but many plans pay for preventive care such as oral exams, cleanings and X-rays, and some cover a portion of the cost of expensive procedures such as crowns, bridges and root canals. Learn about the Medicare Advantage plans, Medicare Supplement Insurance plans. In many states, you can have a hygienist do your cleaning, exam, X-rays, sealant or fluoride treatment, and the cost savings can be significant. AARP is a nonprofit, nonpartisan organization that empowers people to choose how they live as they age. None of the information on this website represents or warrants that any particular drug or treatment is safe, appropriate or effective for you. Some dentists will reduce your bill by 10 to 15 percent if you offer to pay by check upfront, says Michael Reed, a clinical dentist in Dallas and director of Mobile Dental Care.. 1-866-583-2085. Ratings for AARP plans are based on the following criteria: Cost. Dental students, supervised by a licensed dentist, get hands-on experience, and its significantly less expensive,says Sharona Hoffman, codirector of the Law-Medicine Center at Case Western Reserve University and author ofAging With a Plan: How a Little Thought Today Can Vastly Improve Your Tomorrow. Get more information on these dental plans, including pricing and coverage details. Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates, Enter your personal information, including your Enrollee ID you can find this on your welcome letter or email, Set up your username, password and challenge question. Where offered, the DeltaCare USA plan (Contract 76777) is underwritten by Alpha Dental of Arizona, Inc. in AZ, by Alpha Dental of New Mexico, Inc. in NM, by Alpha Dental Programs, Inc. in IL, KY, MD, MO, OH and TX, by Delta Dental Insurance Company in DC, FL, GA, TN and WV, by Delta Dental of California in CA, by Delta Dental of New York . One Time Payment | Delta Dental I enrolled with Delta Dental through AARP. Login or Create Account. AARP endorses the AARP Dental Insurance Plan, administered by Delta Dental Insurance Company. ET, Monday through Friday, UnitedHealthcare Insurance Company or an affiliate (UnitedHealthcare), [[state-start:AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,NE,MP,NV,NH,NJ,NM,NY,NC,ND,OH,OK,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,VA,WA,DC,WV,WI,WY,null]]. If we know what the barriers are, then we can potentially find solutions together., Your dentist may suggest a less expensive treatment or a way to delay a procedure until you can pay for it. With an online account, you can: Get your plan ID card. Search for a program in your area on the American Dental Association website. P.O. The national network of Delta Dental companies protects more smiles than any other insurance company. 5. Prevention is priceless, Sahota says. You may establish an automatic payment plan if this is more convenient. . For Texas residents your Master Policy Form number is TX-AMD-MC-DPO-D-DC(DELTAUSA1-2005). PDF Schedule of Benefits (Who Pays What) - Delta Dental Covers Me Find out more. If you receive services during a waiting period, your dental coverage may not pay for them. ZIP CODE. Estimates may vary depending on your benefit plan and the state you live in. Therefore, it is always best to confirm information with yourhealth careprofessionals. The AARP Dental Insurance Plan is insured by Delta Dental Insurance Company (Contract 1230) in AK, AL, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, PR, TN, TX, UT, VI and WV, by Dentegra Insurance Company (Contract 1230) in AR, AZ, CA, CO, CT, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, OH, OK, OR, RI, SC, SD, VA, VT, WA, WI and WY, and by Dentegra Insurance Company of New England (Contract 1230) in MA. again. Delta Dental Member FAQ Please enable Javascript in your browser and try Create and manage your online account | Delta Dental For more detailed information on your actual dental care costs, please consult your dentist or your Delta Dental. A different privacy policy and terms of service will apply. No ID card needed just supply your name, date of birth and social security number (or your member number,which youllfind on your ID cardafterlogging in). These fees are used for the general purposes of AARP. 2001 - 2023 Delta Dental of Washington. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. I went in for my first regular check up since I signed up for Delta. Virginia are underwritten by Delta Dental of Virginia; Accepted payment methods include bank account, credit card or debit card. Note:Adult dependents can also create their own account they'll just need your Enrollee ID to register. Delta Dental'sfind a dentisttool makes the search for a dentist easy. 8. You are only assured of receiving those from dentists in your plan's network. Colorado are underwritten by Delta Dental of Colorado; 9. AARP Medicare Plans from UnitedHealthcare, 7 a.m. to 11 p.m. For a list of providers, visit deltadentalins.com/aarp/find-a-dentist.html. Where offered, the DeltaCare USA plan (Contract 76777) is underwritten by Alpha Dental of Arizona, Inc. in AZ, by Alpha Dental of New Mexico, Inc. in NM, by Alpha Dental Programs, Inc. in IL, KY, MD, MO, OH and TX, by Delta Dental Insurance Company in DC, FL, GA, TN and WV, by Delta Dental of California in CA, by Delta Dental of New York, Inc. in NY, by Delta Dental of Pennsylvania in PA, and by Dentegra Insurance Company in CO. related to AARP volunteering. You are leaving AARP.org and going to the website of our trusted provider. The provider's terms, conditions, and policies apply. Box 1870 AARP Dental Plans | AARP Program at Delta Dental Maine are underwritten by Delta Dental Plan of Maine; Renew Today. *If you have submitted an Authorization Agreement for Automatic Payments with us, you have elected ACH Debit/Auto Pay as your primary payment method. AARP and its affiliates are not insurers. This website shows estimates of certain dental care costs. Your guide will arrive in your inbox shortly. New Hampshire are underwritten by Delta Dental Plan of New Hampshire; Connecticut are underwritten by Delta Dental of Connecticut; Get help making the right decision when shopping for coverage. Delta Dental - AARP Online Community Were happy to help. Get a lower monthly rate than PPO Plan A with slightly lower coverage for some services. Sign up for a dental savings plan . Must be an AARP member to enroll. Keep your dental expenses as low as possible by staying in your plans network. A plan has been removed from your profile. You will automatically go back to the Your California Privacy Rights | Do Not Sell My Personal Information. You should always talk to your health care professionals for information concerning diagnosis and treatment, including information regarding which drugs or treatment may be appropriate for you. Delta Dental Insurance Company pays royalty fees to AARP for use of its intellectual property. To find out which Delta Dental you should contact, check your ID card or sign into your member account. The costs provided in this tool are estimates only and are not a guarantee of payment or benefits. The Dental Care Cost Estimator sometimes groups together, into "treatment categories," services that are often delivered together to address a particular dental problem. Member ID * (What's this?) We compared costs for an AARP member in California: 30% of score. Member perks for your smile and beyond Your Delta Dental is best equipped to help you with specific questions about your benefits and claims. To update or cancel autopay, selectManage autopay. ? For the best user experience, we recommend using the latest version of one of the following supported browsers: Apple Safari, Google Chrome, Microsoft Edge, and Mozilla Firefox. Youve got dental coverage congratulations! Get quality dental benefits at an affordable rate with fixed copays and no annual deductible or annualmaximum. ET, Saturday, UnitedHealthcare individual and family marketplace (ACA) plans, Individual and family plans short term, dental and more, Are you a Medicare plan member? These non-insurance dental plans negotiate discounts ranging from 10 to 60 percent on dental costs. At least 42 states allow dental hygienists to treat patients without the specific authorization or presence of a dentist. These companies are financially responsible for their own products. by Michelle Crouch, AARP, Updated October 19, 2022, For older Americans, the cost of visiting the dentist can be a shock. Virtual Consult Visit a dentist in your network to get the most savings. Join Now. deltadentalins.com/aarp/find-a-dentist.html, Must visit a network dentist to receive services. If you are experiencing a medical or dental emergency, you should seek appropriate emergency medical or dental assistance, such as calling "911." Plans and pricing can be found on the Delta Dental website. Find a Dentist | AARP Program at Delta Dental MEDSUPP TFN/TTY 711, 7 a.m. to 11 p.m. Need to brush up on enrollment basics? Search for plans in your area at DentalPlans.com . Policyholder Information. Yes, I would like to receive valuable product information and offers from the AARP Life Insurance Program from New York Life. Javascript must be enabled to use this site. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. AARP Dental Insurance Plan P.O. Learn More. It is a student doing the work, but they are supervised, Hoffman says. Create your online services account today. Ready to enroll? The AARP Dental Insurance Plan is insured by Delta Dental Insurance Company (Contract 1230) in AK, AL, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, PR, TN, TX, UT, VI and WV, by Dentegra Insurance Company (Contract 1230) in AR, AZ, CA, CO, CT, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, OH, OK, OR, RI, SC, SD, VA, VT, WA, WI and WY, and by Dentegra Insurance Company of New England (Contract 1230) in MA. Delta Dental covers 50% of the maximum allowed fee. Delta Dental of Washington is a part of Delta Dental Plans Association. Search for a network dentist near your home or work. The AARP Dental Insurance Plan is insured by Delta Dental Insurance Company (Contract 1230) in AK, AL, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, PR, TN, TX, UT, VI and WV, by Dentegra Insurance Company (Contract 1230) in AR, AZ, CA, CO, CT, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, OH, OK, OR, RI, SC, SD, VA, VT, WA, WI and WY, and by Dentegra Insurance Company of New England (Contract 1230) in MA. Compare prices and coverage on eHealthInsurance.com, an insurance marketplace. Choose the preferred payment method for your organization in the boxes below. These non-insurance dental plans negotiate discounts ranging from 10 to 60 percent on dental costs. If you see a provider that is not in the Delta Dental Premier or Delta Dental PPO networks, you will be responsible for all charges incurred. Here's how: After you go paperless, you'll receive an email notifying you when a plan document is available so you can log in and view, download or print the document for your records. Refer to your benefit plan to determine whether preventive services are covered for you. Just $16 a Year RENEW NOW. Your dental office can look you up with some basic personal information. While you can choose to visit out-of-network dentists, they have not agreed to the Delta Dental discounts. Box 1237, Wisconsin Rapids WI 54495 (coupon book provided) Pay by Phone: 888-899-3734: To create a Delta Dental Covers Me account*, click the link below: . Delta Dental through AARP - AARP Online Community Delta Dental Insurance Company pays royalty fees to AARP for use of its intellectual property. Please activate your online bill pay account before making your payment. Conversely, your dental plan may have a 6- to 12-month waiting period for restorative services such as filings and non-surgical extractions, where a 12-month waiting period is often standard for major services such as crowns or dentures. Pre-authorizations or referrals are required for certain benefit plans and certain dental care providers. Their services are in high demand, so expect a wait. In the meantime, please feel free The plans are administered by Delta Dental Insurance Company. Estimates should not be construed as financial or medical advice. To continue your current session, click "Stay on this page" below. Last updated: 04/27/2023 at 12:01 AM CT | Y0066_AARPMedicarePlans_M, Last updated: 04/27/2023 at 12:01 AM CT | Y0066_UHCMedicare_M, Electronic Funds Transfer (EFT) Form (PDF), Social Security / Railroad Retirement Board Deduction Form (PDF). Have a question about coverage or looking for dental insurance? Please enable Javascript in your browser and try Your Prescription Drug Plan will need to give you a refund for the premium amount paid by your other coverage. Once you've logged in, look for a "bill pay" link and create profiles for each of the companies (known as "payees") you want to pay. View your benefits. If you purchased your plan directly from Delta Dental and pay your own premium, you can avoid missing a payment by enrolling in autopay. AARP and its affiliates are not insurers. Many dentists offer one or two days a month of free or low-cost care. The Content on this website is not medical advice. Delta Dental no longer supports Internet Explorer. Click on New Document and choose the file importing option: add Aarp delta dental pay my bill from your device, the cloud, or a protected link. coverage options and when to enroll. Dental Insurance Waiting Periods Explained | Delta Dental Delta Dental. Youll also be able to browse previous statements and download them for your records. 2001 - 2023 Delta Dental of Washington.All rights reserved. In Florida, Delta Dental Insurance Company provides DeltaCare USA Plan benefits as a Prepaid Limited Health Service Organization as described in Chapter 636 of the Florida Statutes. Delta Dental is a registered mark of Delta Dental Plans Association. Learn how to register for an online account and use it to manage your dental benefits. Cost estimates are specific to geographic areas, as defined by the first three digits of a ZIP code (e.g., the geo ZIP for 12345 is 123). The plans are administered by Delta Dental Insurance Company. Still want an ID card? Paying Your Medicare Premium | AARP Medicare Plans Starting in 2022, you will receive a new ID card . These fees are used for the general purposes of AARP. In Florida, Delta Dental Insurance Company provides DeltaCare USA Plan benefits as a Prepaid Limited Health Service Organization as described in Chapter 636 of the Florida Statutes. Join AARP for $12 for your first year when you enroll in automatic renewal. www.aarp.org/volunteer. again. If you live in a community with a high cost of living, driving to a less expensive area can boost your savings. Why create an account? It cleans the 40 percent of tooth surfaces brushing can't reach. They paid $48 on a $171 bill. To learn more about how to use your account to manage your benefits, visit your plan's welcome page: Welcome, Delta Dental PPO members. Delta Dental Covers Me: Pay by Check: Mail payments to: P.O. Once you confirm that subscription, you will regularly Please use your Group ID number as shown on your invoice. There are two online payment methods you can use: ACH Debit/Auto Pay* and Alacriti Payments LLC, a service of Bank of America. Delta Dental is a registered mark of Delta Dental Plans Association. AARP commercial member benefits are provided by third parties, not by AARP or its affiliates. Username Exams and x-rays. AARP Senior Dental Plans & Insurance | DentalPlans.com I asked the dental office to explain the fees and they gave me a breakout of the cost. How much is it going to cost? Do not avoid getting dental care based on the cost information provided on this website. Our coverage makes it easy and affordable to protect your smile. How Do I Pay My Delta Dental Bill Online? - GetHuman You canlog into your account and selectGet ID card, where you can view or print it. It is always a good idea to talk to your dentist about anything that might be a barrier, says American Dental Association spokeswoman Ruchi Sahota, a dentist in Fremont, California. The downside is that it can be time-consuming, Hoffman says. Be sure to update your address with your dental office as well. 9 a.m. to 5 p.m. Their services are in high demand, so expect a wait. if(typeof loadStateSpecificContent == 'function') loadStateSpecificContent('_krf1rtqt'); Free with Plan A, 20% with Plan B. If youre a dependent, youll need these details for the primary member. If you prefer to call, the AARP customer care line can also help you over the phone at 1-888-OUR-AARP. All Rights Reserved. Call Customer Service at 1-888-899-3734 and provide a credit card, debit card, checking account number or savings account number. Its pretty good care.. If there is any conflict or discrepancy between the Content on this website and your coverage documents, your coverage documents will control. (1-888-687-2277 Monday- Friday 7:00 AM to 11:00 PM EST). Through our national network of Delta Dental companies, we offer dental coverage in all 50 states, Puerto Rico and other U.S. territories. Some provider offers are subject to change and may have restrictions. Here are the benefits of creating an account: View plan information. If you elect to receive claim statements and other documents by mail, the documents are mailed to the primary member's address. Plan Options: Get a Quote: Dentist Search: Frequently Asked Questions: Contact Us: About Us; One-time Payment. Your 50 Top Health Questions Answered. Contact your company's human resources department. The providers terms, conditions and policies apply. Here is the procedure: Log in to your account. I called Dental Dental to discuss the cost and they informed me I had to filea grievance I filed a grievance and the response was that I had to pay the $395 plus $80 for a "build up" and $5 office visit. AARP endorses the AARP Dental Insurance Plan, administered by Delta Dental Insurance Company. Indicates required field (s) Need Assistance? Please input information for either ZIP code or address but not both, Please enable your browser to allow this site to use your location. Note:Whatever payment option you chooseElectronic Funds Transfer (EFT), Social Security check withholding or monthly billwill apply to your entire premium. These companies are financially responsible for their own products.