Frequently Asked Questions - Vision and Dental Insurance
Here are some questions frequently asked by our Plan members. If you don't find an answer to your specific question, please contact us at 1-800-845-4669, or email us at info@camcobenefits.com and someone will respond to you within 24 hours.
General Vision and Dental Insurance Benefits FAQ
NOTE: Other than ordering ID cards, all inquiries regarding your coverage or payments should be directed to CAMCO BENEFIT SERVICES first.
Why did I have 3 premium payments in one month?
All bi-weekly premiums are based on 26 pay periods. Some months contain three pay periods.
How are monthly premiums calculated?
The premium is multiplied by 26 pay periods, then divided by 12 months.
What forms of payment can I use?
Camco Benefit Services will automatically debit your bank account via electronic ACH for premiums. After your first premium has been debited from your account, you may call Camco Benefit Services at 1-844-206-5032 to discuss alternate payment options.
Do you cover significant others?
Yes, you do not need to be married but must share an address.
Do you cover same sex partners?
Yes.
When are my children no longer dependents?
Children are covered up to the age of 26 unless they are married. At that time they may start their own policy.
Can I add my adult handicap child?
Yes, if you are the sole supporter.
When will my premiums be deducted from my account?
Camco deducts premiums from your personal account on a bi-weekly or monthly schedule based on the average payday schedule. For more information please call our office at 1-800-845-4669.
How do I make changes to my account?
How do I terminate my plan?
Once you become effective on this dental plan, you are acknowledging your commitment for a minimum of 12 months; if you terminate early you will be solely responsible for any balance owed to your dentist. All terminations must be made in writing and will become effective on the first day of the month following your termination notification to us. Submit your termination to us via email to info@camcobenefits.com or by postal mail to:
Camco Benefit Services, PO Box 5667, Lacey, WA 98509
How do I know you received my online applications?
Once your application has been sent successfully, an email will be sent to you at the address you provided. You MUST open the email and click the link inside. This will redirect you back to the website to verify your email address and will display a success message. Shortly after, you will receive a welcome email from Camco Benefit Services.
Is it secure to send my bank info on the internet?
Yes, your application information is sent using 256 bit encrypted secure SSL. Please make sure that the form page is protected by SSL (see diagram below). You will notice the URL of in your browser say https instead of http. The “s” indicates that you that you are on a secured site.
Can I add adopted or step-children?
Yes.
Why does Camco ask for a 12 month agreement?
By having a 12 month agreement we are able to reduce cost down and pass the saving onto you.
Is there a penalty for cancellation before my 12 months are up?
Yes. A $100.00 penalty fee will be assessed for early termination of dental or vision coverage.
What if I have not received my ID cards?
If you have not received your ID cards please call the following phone numbers for the appropriate plan.
- The Standard Insurance Co. 1-800-547-9515
- VSP does not issue ID cards
When will my policy become effective?
After Camco has received your application, bank authorization and a check for ONE months premium, you can make appointments on the first day of the upcoming month.
What if I retire?
No need to do anything – your coverage remains active.
What if I change jobs?
You can maintain coverage. If your personal information has changed please contact our office.
What if I move out of state, can I take my coverage with me?
Yes, VSP and The Standard are nationwide.
Can family members have their own policy?
Yes, call Camco at 1-800-845-4669.
Do I need an id card to make an appointment?
No. You can begin your care the first day of coverage. Your dentist can verify your coverage by calling Camco at 1-800-845-4669.
How do I order new dental I.D. Cards?
Call The Standard Insurance Company at 1-800-547-9515. Remember: with VSP, (Vision Service Plan) you do not need an I.D. card.
Vision Service Plan (VSP) Insurance FAQ
EyeMed Vision Insurance FAQ
The Standard Dental Insurance FAQ
KP Federal Dental Insurance FAQ
Who is Camco Benefit Services?
We are a third-party administrator contracted by Kaiser Permanente to manage your dental enrollment and collect premiums on their behalf. We are not the insurance company, nor does Camco set the premium rates. Please call us if you have questions or need information regarding your enrollment or premium payments: 1 844 206 5032. When Camco debits your bank account for premiums, our name will appear next to the debit on your bank statement – NOT Kaiser Permanente.
How do I know you've received my online application?
Once your application has been sent successfully, a confirming email will be sent to the email address you provided during your enrollment. You MUST click on the hyperlink in the email to confirm your enrollment and your email address.
Is it secure to send my bank information on the Internet?
Yes, your application information is sent using 256-bit encrypted secure SSL. Please make sure that the form page is protected by SSL (see diagram below). You will notice the URL of in your browser say https instead of http. The “s” indicates that you that you are on a secured site.
When will my dental policy become effective?
The policy year runs from JANUARY 1 through DECEMBER 31 of each year. Unless you cancel your coverage during Open Enrollment, your enrollment will automatically renew again for the next policy year.
What forms of payment can I use?
Camco Benefit Services will automatically debit your bank account via electronic ACH for premiums. After your first premium has been debited from your account, you may call Camco Benefit Services at 1-844-206-5032 to discuss alternate payment options.
I pay my premiums by check - what are my options and obligations?
Camco Benefit Services does not send out billings, but we will send an email reminder prior the due date of your subsequent premium reminding you to mail your payment. You may pay Monthly, Quarterly, Semi-Annually or Annually by check. Automatic payments may also be set up through your personal bank’s online banking system.
**Premiums are due on the 1st day of each month for that month’s coverage. A $35.00 fee will be imposed for premiums received after the premium due date, unless you have contacted Camco with a different arrangement. This late fee must be paid along with your next premium payment to keep your enrollment in good standing.
What is the “Associate Membership Fee”? (Administrative Fee)
For those who are not members of the American Federation of Government Employees (AFGE), an annual $5.00 associate membership fee will be debited each year during the month of FEBRUARY. This is a separate transaction from your monthly premium debit. This fee allows federal employees who are non-AFGE members access to these dental plans. This fee is NOT a Union Due.
**For members already paying premiums by check, your $5.00 annual fee should be included with your FIRST premium payment of the new policy year.
When will my premiums be debited from my bank account?
Premiums are debited from your personal checking or savings account on the 10th of every month for that month’s coverage. This transaction will take 1-4 business days to post to your bank statement depending on your banking institution.
If your ACH debit is returned to Camco unpaid, your next ACH debit will include the current month’s premium due, the uncollected premium amount for the prior month and a $35.00 Returned Item Fee may be charged at that time along with your premium debit.
What if I have not received my ID card(s) or need to order new ID card(s)?
Members who are enrolled in a Kaiser Permanente medical plan can use their Kaiser Permanente medical plan ID card. Members not enrolled in the Kaiser Permanente medical plan will receive a dental ID card. To inquire about and ID card or order a new
ID card, contact Kaiser Permanente Member Services at 1-800-813-2000.
What if I retire or change jobs?
Your coverage remains active as long as you reside in the Kaiser Permanente service area. If you retire or your personal information changes, notify our office regarding these changes.
What if I move outside the Kaiser Permanente service area?
Members moving outside the service area may explore other options through the Federal Employees Dental and Vision Insurance Program (FEDVIP). Enrolling on another dental plan other than KP will NOT affect your KP Medical enrollment.
Can family members have their own policy?
No, unfortunately family members have to be a dependent on the subscriber's account to be eligible for coverage under these federal employee plans.
Do I need an ID card to make an appointment?
No, but you will need to wait until the Kaiser Permanente membership systems show coverage for you, which can take up to four weeks after enrolling. You can still make an appointment and receive treatment if no coverage is shown, however you will be responsible for the full balance of any treatment if for some reason you are not actually covered. We recommend confirming your coverage with Camco if you would like to make an appointment right away. You may use your Health Record Number to make dental appointments.
Who do I call regarding my dental coverage and benefit payments?
Camco cannot answer specific questions regarding coverage and dental billings as we are not the insurance company. Your first call should be to your dental provider’s billing specialist. They are very well versed regarding coverage and will gladly assist you.
If you have any questions or concerns about your dental care, please discuss them with the provider who is treating you or you may also call KP Member Services at 1-800-813-2000.
How do I add/drop dependents or make other changes to my account?
FAX your changes to us at 1-360-438-6256 or send an email to
info@camcobenefits.com.
All changes and requests for termination of coverage must be made in writing.How do I terminate my coverage?
Once you become effective on this dental plan, you are acknowledging your commitment for that policy year.
If you cancel your enrollment earlier than the end of any policy year you will be subject to $100 Early Termination Fee (ETF). Your policy year begins again on January 1st.
This does not apply to members who move out of the KP service area.
If you are terminated by Kaiser Permanente due to non-payment of premiums you will be solely responsible for any balance owed to your dentist after your termination date.
You will not be eligible to re-enroll in a Kaiser Permanente Federal Employee Dental Plan until the next open enrollment period.
If you decide not to renew your coverage for the next policy year, please notify us in writing via email to:
info@camcobenefits.com or by postal mail to:
Camco Benefit Services, PO Box 5667, Lacey, WA 98509