How to Use Your Co-op Dental Membership

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When it comes to keeping your smile healthy, your Health Access Cooperative Dental membership—also called Co-op Dental—offers something better than traditional dental insurance. It’s simpler, more affordable, and puts you in control.

Unlike insurance companies, Co-op Dental is a consumer cooperative, owned and operated by members just like you. That means no confusing terms, no restrictive networks, and no costly, profit-driven surprises. Just quality dental care when you need it.

Why Co-op Dental is Better Than Traditional Insurance

If you’ve ever been frustrated by traditional dental insurance, you’re not alone. Co-op Dental is designed to eliminate those headaches. Here's how:

No Networks, No Restrictions — You’re free to visit any dentist or specialist you choose. We believe your dental provider should be your decision, not an insurance company’s.
Simple Coverage — Co-op Dental covers 100% of your preventive care and 95% of other services, including orthodontics, up to your annual allowance.
No Lifetime Maximums — Your allowance renews every year, even for orthodontic work, so you can plan for care without worrying about long-term limits.
More Affordable — Because we don’t operate for profit, we can keep your membership more affordable than traditional dental insurance.

Membership Options

You’ll have one of two straightforward plans:

$1,500 annual allowance
$2,500 annual allowance, which also includes up to $200 for vision hardware like glasses or contacts

The annual allowance is the total amount the Co-op will pay for your dental care each year, and it resets every year. If you anticipate needing more extensive dental work, you can even plan to spread treatment over two years to make the most of your allowance.

How to Use Your Dental Membership

Using your Co-op Dental membership is simple:

Tell your provider up front that you’re self-pay. You won’t need a card because Co-op Dental is not insurance.
Ask for discounts! Many providers offer discounts for paying directly, especially if you pay at the time of service. Asking for these discounts can help stretch your annual allowance farther.
After your appointment, just upload your bill to the member dashboard. We’ll reimburse you directly, or we can pay your provider for you—whatever works best.

Note: If your dentist requests payment up front, contact our Member Support team. We’ll coordinate with the provider on your behalf to make the process easy.

Your Co-op Dental membership covers a wide range of care, but there are a few exceptions. Cosmetic procedures and dental medications used during non-surgical care are not eligible for reimbursement. For a full list of what’s covered, just check your membership dashboard or contact our support team.

Smile-Worthy Simplicity

With Co-op Dental, you get access to the preventive and non-preventive dental care you need without the complexity of traditional dental insurance. Your membership is flexible, easy to use, and designed to save you money.

Now that’s something to smile about.

Have questions? Reach out to our Member Support Team or log in to your dashboard anytime to manage your benefits.

How to Use Your Co-op Direct Membership

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As a Co-op Direct member, welcome to a simpler, more affordable way to manage your health care! Health Access Cooperative—Direct for Individuals, or Co-op Direct, is built for people who want the peace of mind of knowing they can get support for major medical events without the high premiums and red tape of traditional insurance.

Here’s how your membership works and how to get the most out of it.

What’s Included in Your Co-op Direct Membership

Your membership gives you access to support for significant medical events, such as hospital stays, emergency room visits, surgeries, maternity care, and more. Co-op Direct is not insurance, in fact, it is a better way to protect against large, unexpected health care costs.

Co-op Direct is designed to give you peace of mind for your health care when it matters most. Use your membership for:

Emergency room visits
Hospital stays
Surgeries and procedures
Maternity care (prenatal, delivery, and postnatal)
Specialist visits for major diagnoses
Injuries requiring ongoing treatment
Mental health needs requiring inpatient care
Preventive mammograms and colon cancer screenings
Other eligible large, unexpected medical expenses

Your Co-op Direct membership also includes access to our Prescription Service. Learn more here.

How to Use It

Get the Care You Need. Visit the provider of your choice as a self-pay patient and explain that you’re a member of a health care cost-sharing cooperative. If you know about the medical incident in advance, such as a planned surgery, you should let our member support team know as soon as possible to coordinate payment.
Pay Your Per-Incident Deductible. You’re responsible for the first part of the cost for a medical incident. This may be $1,000, $2,500, or $4,000, based on your selection when you signed up.
Enjoy Peace of Mind! With Co-op Direct, you will only be responsible for two per-incident deductibles per year. You will also benefit from an annual out-of-pocket maximum for expenses that aren’t a part of a medical incident.

Questions?

Your membership includes support every step of the way. For questions about submitting bills, understanding your per-incident deductible, or any other part of your membership, contact our member support team at (800) 606-1135 or members@healthaccesssolutions.com.

How to Use Your Health Access Cooperative Membership

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With Health Access Solutions, you’re part of a member-focused approach to health care that combines everyday preventive care with support for larger, unexpected medical needs. Through your employer, you have access to both Health Access Preventive and Health Access Cooperative memberships.

Health Access Preventive includes access to primary care, prescriptions, and routine, preventive services, while the Health Access Cooperative provides assistance for significant medical expenses.

Let’s explore how both work and how they complement each other.

Health Access Preventive: Your Foundation for Wellness

The Health Access Preventive is made up of three key pieces that work together to provide you and your family with quality health care that is both affordable and convenient. These three pieces are your primary care, prescriptions, and reimbursements for basic wellness services.

Learn more about how Health Access Preventive works here.

Health Access Cooperative: Support for Major Medical Events

The Health Access Cooperative is your safety net for larger, unforeseen medical expenses. It operates on a cooperative model, focusing on member needs rather than profits. Here's how it works:

Per-Incident Deductible: For each significant medical event, you pay a predetermined amount (e.g., $1,000, $2,500, or $4,000), after which the cooperative covers the remaining eligible expenses.
No Network Restrictions: Choose any provider without worrying about in-network limitations.
Self-Pay Discounts: As a self-pay patient, you may access significant discounts, sometimes up to 80% off standard rates.

This approach ensures you receive necessary care without the high premiums and deductibles associated with traditional insurance.

Coordinating Your Membership Benefits

It’s important to understand when to use each part of your membership:

You’ll use your Health Access Preventive for services like regular health maintenance, preventive screenings and tests, routine prescriptions, and wellness services.
And you’ll use your Health Access Cooperative membership for services such as emergency room visits, surgeries or hospitalizations, maternity care and other significant medical events.

By leveraging both memberships, you ensure comprehensive coverage for both everyday health needs and unexpected medical situations.

Getting Started

To make the most of your membership:

Access Your Member Dashboard: Find detailed information about your benefits and member portions. Learn how to log in here.
Submit Reimbursements: Use the member dashboard to submit receipts for preventive services. Learn about what information you’ll need here.
Plan for Major Medical Needs: In the event of a significant medical incident, contact our member support team to understand how the Cooperative membership works and what you need to do next.

For assistance or more information, reach out to our member support team at members@healthaccesssolutions.com or call (800) 606-1135.

How To Use Your Health Access Preventive

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The Health Access Preventive is made up of three key pieces that work together to provide you and your family with quality health care that is both affordable and convenient. These three pieces are your primary care, prescriptions, and reimbursements for basic wellness services.

Here’s how they fit together.

Primary Care

Through your primary care provider, you have access to a personal care team of doctors, nurses, and health advisors. They can help you manage ongoing health conditions, prescribe medication, send orders for labs and imaging, and much more. Go to your primary care provider for most of your routine medical needs.

Learn more about why to use your primary care here.

Prescription

Through your prescription service, you have access to some of the lowest-priced prescription medications in the country. We partner with a nationwide network of pharmacies to give your access to affordable drug pricing at over 65,000 locations. Use your prescription service anytime you need to fill a prescription from a pharmacy.

Learn more about how to use your prescription service here.

Basic Wellness & More!

With Health Access Preventive, you can get reimbursed for preventive medical services such as dental cleanings, vision exams, flu shots, and much more. Simply snap a picture of your bill and submit it for reimbursement right from your phone.

If you have eligible preventive expenses, you can submit them using the Preventive Reimbursement Form that is located on your Member Dashboard. To access it, you will need to log in with your Member ID to better protect you and your information. If you have that information, you can log in here.

Not sure what your Member ID is? No problem. You can look up your membership information anytime using our Member Search tool here. Once you have looked up your information, you can go directly to the login page.

Common Ways to Use Health Access Preventive

Here are some common ways that members use Health Access Preventive. If you aren’t sure how you should use your membership at the moment, these examples may help guide you. Keep in mind, however, these are just a few of the many benefits included in your membership!

My whole family received flu shots. This was an eligible basic wellness service and I was reimbursed.
My doctor gave me a prescription for a new medication. I used my prescription service to get it filled at the best price.
I wanted to talk to a professional about quitting smoking. I went to my primary care provider and was able to be reimbursed $500 of my costs.
My kids needed “well child” exams before they could return to school. This was an eligible basic wellness service and I was reimbursed.
My doctor sent me to a lab to get a bone density screening. This was an eligible basic wellness service and I was reimbursed.
My son had an odd-looking bug bite. My primary care provider allowed a doctor to look at it by video* at no cost to me. The doctor prescribed a cream for him, and I used my prescription service to have it filled at the best price.
I went to a local dentist for a routine dental cleaning and my eye doctor for an annual eye exam. These were eligible services and I was reimbursed up to $250 each.
I’ve taken the same prescription for years. I used my prescription service and was able to get it filled at a better price than I used to pay.
My doctor recommended that I use an at-home colon cancer screening this year. I did, and it was an eligible basic wellness service that I was reimbursed for 100% of the costs.
I have high cholesterol. I work with my primary care provider to keep it under control.

* Some primary care providers offer virtual care, but not all. Check with your primary care provider to find out the best way to receive your care.