Protect-A-Dent Indemnity Dental Plans

At the IAFF-FC, we have listened to our members and designed a dental plan you have been requesting. Our indemnity plans allow each member the flexibility to use their dental provider of choice...there are no networks or referrals required. To help you avoid  unexpected expenses, each participating member will receive a listing of the reimbursement levels for all covered services. The member knows how much the plan will pay even before they receive care, which helps them become better-educated consumers.

Our Select Plan pays lower reimbursement for Level II Basic Services. Our Premier Plan pays higher reimbursement for Level II Basic Services and also includes orthodontia coverage. You choose the plan with the benefits and reimbursement levels that best fit your needs and budget.  To apply, call toll free 866-423-3757. It’s that easy!

Now available in all states.

MONTHLY RATES

Rates do not include a $2.00 per month administrative fee

Frequently Asked Questions:

Who is a participating provider?

Participating members can choose the dental provider of their choice.

How does the dentist get paid?

It depends on the policy of each dental office...the dentist will either file the claim on the member's behalf or have the member pay up front and then be reimbursed by TDN Administrative Services upon submission of the claim.

Will there be additional out-of-pocket expenses?

The dentist will be reimbursed based on the plan's selected schedule option. If the dentist's fee exceeds the reimbursement level, the dentist may charge the member for the additional amount.

Do participating members receive an ID card?

Each participating member will receive an ID card in the mail within 14 days after receipt of the application.

Where do participating members call with questions?

Call the IAFF-FC Insurance Division (administered by S. F. & C. Insurance) toll free at 866-423-3757.

Program is administered by: S. F. & C. Insurance Associates, Inc.

Claims and Service by:  TDN Administrative Services, LLC

Protect-A-Dent Indemnity Plan Underwritten by: Colorado Bankers Insurance Company