State Firefighters' and Fire Marshals' Association of Texas

Frequenty Asked Questions


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AMBA


Who is AMBA?

AMBA stands for Association Member Benefits Advisors. We administer benefits for your association. Think of us as your main hub for your associations benefit program.

How can I reach AMBA? / Contact Us:

AMBA can be reached by phone Monday-Friday from 8am-5pm CT by calling 1-800-258-7041. Our member services team is here to serve you!

Billing & Existing Account Questions: 1-866-615-4051

Customer Service: 1-800-258-7041
Monday-Friday from 8am-5pm CT

Cancellations: Cancellations@amba.info

Dental Claims – Ameritas – 1-888-239-3336

Vision – VSP: 1-800-877-7195

All other questions: inquiries@amba.info

Enroll Online or View Benefit Information: www.myambabenefits.info

Request a call back or send us your question by completing the Review Your Benefits form.

Mailing Address:
AMBA
6034 West Courtyard Dr. STE 300
Austin, TX 78730
Fax: 512-772-5795

Dental


How can I find out what is covered & locate a network dentist?

You can call Ameritas at 1-888-239-3336 for coverage information. To locate a network dentist, call Ameritas or visit them at www.findproviders.net. Once you’re ready to enroll, call AMBA at 1-888-698-0972.

Can I use my current dentist?

Yes! One of the best features of this plan is that you have the freedom to use your current dentist. You also have the option of selecting an Ameritas network dentist, from anywhere in the U.S. to receive excellent discounts on covered services.

Will I have waiting periods?

When members enroll during open enrollment, members have their waiting periods waived for covered services! Our plans cover preventive services, such as annual dental exams and cleanings, at 100% when visiting a network provider. Enjoy no waiting periods for covered services when you apply during open enrollment.

How Does the Dental Rewards® Feature Work?

This feature rewards members who care for their teeth by filing at least one claim during the calendar year but use less than the threshold amount of benefits. This feature solves the “use it or lose it” problem many dental insurance plans have. For example, if you visit the dentist at least once but use less than $500 in annual benefit you may roll over $250 to the next plan year!

How can I save the most money with this plan?

Dentists in the Ameritas network have agreed to charge you 20-40% less than their regular rates. Many of them also offer discounted fees on noncovered dental services as allowed by state law.

How will I know that you accepted my application?

We never deny enrollment, so if you apply and include a payment option and all necessary information your coverage will become active. Our Processing department will contact you by phone if there is an issue with your application.

When will my coverage begin?

If we receive your application in our office before the final week of the month your coverage will become effective the 1st of the following month.

Will I get dental ID Cards? /How do I tell my Dentist know that I am covered?

You will receive dental ID cards and Certificate of Coverage 2-3 weeks after your application arrives in our office. Please note: that this packet will be arriving from Ameritas in Lincoln Nebraska and not from AMBA or your Association. Keep in mind that you do not need ID cards to visit a dentist. You can simply tell your dentist to contact Ameritas for details of your coverage, just provide them with the phone number 1-888-239-3336.

Do I have to file the dental claims?

No, there is no need to for you to file claims with Ameritas. This plan is a PPO so your dental office can file the claim directly with Ameritas.

Can my disabled child remain on my plan?

Disabled dependent children, that are over the age of 26, can remain on your plan if they are legally disabled and you are their primary financial caregiver. Please contact AMBA if your dependent qualifies so we can send the necessary paperwork to you to get them covered. AMBA can be reached at 1-800-258-7041 Monday – Friday 8am -5pm CST.

Can dependent children be on my plan?

Dependent children can remain on your plan up until their 26th birthday. We will automatically remove dependent children at the end of the month of their 26th birthday. Children over the age of 26 are eligible to be covered under their own plan.

Can I add my parents/siblings/relatives to this plan?

No. Spouses and children under the age of 26 are the only ones who qualify as dependents. The good news is that your relatives can request to join the association and obtain benefits under their own plan. Please contact AMBA for more details 1-800-258-7041

If I’m on Medicare can I keep this plan?

Yes. You can remain on this plan even after you enroll in Medicare.

Can I cancel this coverage? How?

We encourage members to maintain their plan so that they can maintain their oral and visual health, but if you are truly unhappy you are able to cancel your coverage. We require a written request to terminate the coverage and we need requests by the 15th of the prior month to stop any future payments.

Vision


How can I save money with VSP?

With VSP you’ll save money on exams, lenses, frames and more. VSP’s comparison of national averages shows exams can cost over $150, and frame and lens costs can be well over $200. In addition, VSP provides discounts on lens options like scratch resistance, UV protection, antiglare, and impact resistance.

Is the vision program easy to use?

With VSP, you’ll receive services at rates well below walk-in prices, and you don’t even need an ID card — any VSP doctor can access your plan coverage. All you have to do is make your appointment, get your exam, select your frames and lens options, and the doctor’s office will take care of the rest. You pay any copays or overage right there at the doctor’s office, and you’re done. It’s that simple.

Is the VSP Network large?

VSP gives members access to over 34,000 in network doctors. Visit https://www.vsp.com/findeye-doctors.html to locate a doctor!

Do I have to use one of your Optometrists?

It is highly recommended that you stick with a VSP provider, but you do have coverage if you go out of network. When you visit a VSP network provider you receive full benefits. If you go out of network you will need to pay out of pocket and request reimbursement from VSP, keep in mind that reimbursement amounts are often lower than in-network benefits. You can find a VSP doctor by calling 1-800-877-7195.

Does this plan cover ophthalmologists?

This plan is meant to assist with the costs of general optometry procedures such as glasses, contacts, and eye exams. Some coverage may be available if your ophthalmologist is in the VSP network please contact VSP for more details doctor by visiting irspa.vspforme.com or call 1-800-877-7195.

Does this vision plan cover cataract surgery?

This plan does not cover cataract surgery. AMBA suggests reviewing your current medical plan to see if it offers any coverage for cataract Surgery.

Will I get Vision ID cards? / How do I let my eye doctor know I am covered?

VSP does not Issue ID cards but you will not need one to visit a provider. If you visit a VSP network provider, they can easily verify your benefits online. Just tell your providers office you are covered with VSP, then verify your name, date of birth, and last 4 of social security number. They will take care of the rest. If your provider is out of network, that’s OK! You will need to pay out of pocket and request reimbursement with VSP by calling them at 1-800-877-7195. Please note that reimbursement amounts may be lower than in-network benefits.

Do I have to file the vision claims?

If you visit a VSP Network doctor they will take care of the claims for you. If you visit an out-of-network provider, you will have to pay out-of-pocket and request the claims be reimbursed by VSP 1-800-877-7195.

Why is vision health important?

You only get one set of eyes. Take care of them. Your eyes not only affect how you see, but how you feel. Caring for your vision can lead to a better quality of life, including fewer headaches, less computer eye strain, and more effectiveness with work or hobbies. It all starts with an eye exam.

Can my disabled child remain on my plan?

Disabled dependent children, that are over the age of 26, can remain on your plan if they are legally disabled and you are their primary financial caregiver. Please contact AMBA if your dependent qualifies so we can send the necessary paperwork to you to get them covered. AMBA can be reached at 1-800-258-7041 Monday – Friday 8am -5pm CST.

Can dependent children be on my plan?

Dependent children can remain on your plan up until their 26th birthday. We will automatically remove dependent children at the end of the month of their 26th birthday. Children over the age of 26 are eligible to be covered under their own plan.

Can I add my parents/siblings/relatives to this plan?

No. Spouses and children under the age of 26 are the only ones who qualify as dependents. The good news is that your relatives can request to join the association and obtain benefits under their own plan. Please contact AMBA for more details 1-800-258-7041.

Can I cancel this coverage? How?

We encourage members to maintain their plan so that they can maintain their oral and visual health, but if you are truly unhappy you are able to cancel your coverage. We require a written request to terminate the coverage and we need requests by the 15th of the prior month to stop any future payments.