Hawaii Dental Service offers this marketplace health insurance plan (Plan ID 46082HI0020004) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.
Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Hawaii). Submit changes before the deadline to avoid a coverage gap.
Enroll by Dec 15 for Jan 1 starts.
Finalize plan switches before the window closes.
Special Enrollment Periods
You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).
Report the event within 60 days.
Keep documentation handy for Healthcare.gov or your state exchange.
CSR & subsidy reminders
Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.
Enter accurate income to maximize Advanced Premium Tax Credits.
Standard Low Off Exchange Plan plans like this one keep deductibles and copays lower if you qualify.
Thinking about switching?
Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.
Match provider networks so ongoing care isn’t disrupted.
Confirm prescriptions stay on-formulary or budget for tier changes.
Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.
Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).
Tier 1 in-network70.00% Coinsurance after deductible
Out-of-network70.00% Coinsurance after deductible
Fillings, root canals, gum surgeries & treatments, oral surgeries; 3 or 12 month wait period applies.
Exclusions: Composite/white fillings on posterior teeth benefitted as amalgam/silver equivalent.
Dental Check-Up for Children
No Charge
Tier 1 in-networkNo Charge
Out-of-networkNo Charge
Limit: 2.0 Visit(s) per Year
Exam, Cleaning, and/or Fluoride
Exclusions: nan
Major Dental Care - Adult
70.00% Coinsurance after deductible
Tier 1 in-network70.00% Coinsurance after deductible
Out-of-network70.00% Coinsurance after deductible
Crowns, gold restoration, bridges, and dentures; 12-month wait period applies
Exclusions: Porcelain crowns on molar teeth benefitted as metallic equivalent; implants
Orthodontia - Adult
Coverage details pending
nan
Exclusions: nan
Orthodontia - Child
50.00%
Tier 1 in-network50.00%
Out-of-network50.00%
Medically necessary orthodontia
Exclusions: Optional orthodontia
Routine Dental Services (Adult)
No Charge
Tier 1 in-networkNo Charge
Out-of-networkNo Charge, No Charge
Limit: 2.0 Visit(s) per Year
Exam, Cleaning, and/or Fluoride
Exclusions: nan
Variant attributes
HDS Classic Dental Plan · Variant 46082HI0020004-00
Plan identifiers & tier
Issuer-provided metadata for this variant.
Business Year
2025
CSR Variation Type
Standard Low Off Exchange Plan
HIOS Product ID
46082HI002
Metal Level
Low
Plan ID (Standard Component ID with Variant)
46082HI0020004-00
Plan Marketing Name
HDS Classic Dental Plan
Plan Variant Marketing Name
HDS Classic Dental Plan
Issuer & service area
Issuer-provided metadata for this variant.
Issuer ID
46082
Issuer Marketplace Marketing Name
Hawaii Dental Service
Market Coverage
Individual
Multiple In Network Tiers
No
National Network
Yes
Network ID
HIN001
Out of Country Coverage
Yes
Out of Country Coverage Description
For services received outside of the country, member will pay the claim in full at the time of service. Member is responsible to submit the claim to HDS translated into English and U.S. Dollars. HDS will reimburse the member based on a non participating dentist fee schedule.
Out of Service Area Coverage
Yes
Out of Service Area Coverage Description
Service area includes: Hawaii, Guam and Saipan. For services received on the Mainland (Continental U.S), the maximum benefit from the plan is received when visiting a Delta Dental participating dentist. The Delta Dentist will submit claim directly to HDS. Member out-of-pocket share will be in accordance to the plan benefits.
Begin Primary Care Cost-Sharing After Number Of Visits
0
Child-Only Offering
Allows Adult and Child-Only
Composite Rating Offered
No
Dental Only Plan
Yes
EHB Apportionment for Pediatric Dental
1.0
First Tier Utilization
100%
Import Date
2024-06-08 20:01:16
Guaranteed Rate
Guaranteed Rate
New/Existing Plan
Existing
Medical EHB Deductible, Combined In/Out of Network, Family Per Group
per group not applicable
Medical EHB Deductible, Combined In/Out of Network, Family Per Person
$50 per person
Medical EHB Deductible, Combined In/Out of Network, Individual
$50
Medical EHB Deductible, In Network (Tier 1), Family Per Group
per group not applicable
Medical EHB Deductible, In Network (Tier 1), Family Per Person
per person not applicable
Medical EHB Deductible, In Network (Tier 1), Individual
Not Applicable
Medical EHB Deductible, Out of Network, Family Per Group
per group not applicable
Medical EHB Deductible, Out of Network, Family Per Person
per person not applicable
Medical EHB Deductible, Out of Network, Individual
Not Applicable
Plan Effective Date
2025-01-01
Plan Expiration Date
2025-12-31
Plan Level Exclusions
Services for injuries and conditions that are covered under Workers' Compensation or Employer's Liability Laws; Services provided by any federal or state government agency or those provided without cost to the eligible person by the government or any agency or instrumentality of the government; Congenital malformations, medically related problems, cosmetic surgery or dentistry for cosmetic reasons; Procedures, appliances or restorations other than those for replacement of structure loss from cavities that are necessary to alter, restore or maintain occlusion; Treatment of disturbances of the temporomandibular joint; Implants; All prescription medication; Hawaii general excise tax imposed or incurred in connection with any fees charged, whether or not passed on to a patient by a dentist; All transportation costs; Other exclusions may apply.
Plan Type
PPO
QHP/Non QHP
Both
Source Name
SERFF
Plan ID
46082HI0020004
Copay & coinsurance
Pharmacy cost sharing by tier
Drug tier
Pharmacy type
Copay amount
Copay option
Coinsurance rate
Coinsurance option
Mail order
Questions & answers
Frequently asked questions
How do I choose the right ACA plan in Hawaii?
HDS Classic Dental Plan (46082HI0020004) is a Low PPO from Hawaii Dental Service in Hawaii for the 2025 coverage year.
Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.
Does HDS Classic Dental Plan support telehealth or virtual urgent care?
The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.
Is HDS Classic Dental Plan HSA-eligible and does it include dental or vision coverage?
HSA eligibility is not published; check the Summary of Benefits or ask the issuer.
Dental add-ons: Adult, Child.
Vision coverage is not listed for this plan.
Does HDS Classic Dental Plan support mail-order prescriptions?
Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.
Is there out-of-country coverage for HDS Classic Dental Plan?
Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: For services received outside of the country, member will pay the claim in full at the time of service. Member is responsible to submit the claim to HDS translated into English and U.S. Dollars. HDS will reimburse the member based on a non participating dentist fee schedule.
Does HDS Classic Dental Plan cover care outside the service area?
Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Service area includes: Hawaii, Guam and Saipan. For services received on the Mainland (Continental U.S), the maximum benefit from the plan is received when visiting a Delta Dental participating dentist. The Delta Dentist will submit claim directly to HDS. Member out-of-pocket share will be in accordance to the plan benefits.
How do I enroll in or manage payments for HDS Classic Dental Plan?
Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
