Coverage for Every Phase of Life
Changes and transitions are an inevitable part of life, and with each one comes the need to assess our dental coverage options. Whether you are graduating from college, starting a new job, or getting married, it’s important to have a dental insurance plan that suits your needs. With our help, you can rest assured that you’ll have the dental coverage you need during each new chapter of your life. Marriage and coverage changes Marriage is considered a “qualifying life event.” After a qualifying life event, you can change your dental plan within a specified amount of time. If requested changes are not made in time, you may have to wait for open enrollment. Be sure to check your dental coverage to see when the adjustment will occur. You have a few options within the qualifying life event period for changing coverage. You can: Choose to keep your coverage as is […]
10 Dental Insurance Terms You Should Know
Let’s take a quick look at dental benefits terms anyone can benefit from understanding. We cover some of the most important aspects of your coverage such as plan maximums, network coverage, preventive care and more. 1. Annual maximum: The maximum amount your plan will pay for dental procedures during an annual period. Once you reach the maximum, you’ll be solely responsible for additional dental fees. TruAssure’s Choice and Choice Plus plans offer flexibility and allow you to choose your annual maximum. 2. Basic services: Services needed to treat common dental conditions such as fillings and extractions. The cost for these services varies depending on your dental plan. 3. In-network: Visiting an in-network dentist is one of the primary ways to save when it comes to dental care. In-network dentists have been certified by your benefits carrier and have agreed to reduced fees that save patients 20 to 40 percent on average. 4. Lifetime […]
Top 10 Common Dental Insurance Terms Explained
You might have heard these words and phrases before, but if you aren’t sure what they mean, you could be misunderstanding what your dental benefits plan covers. Brush up on your dental insurance knowledge to ensure you’re ready to make informed decisions the next time you come across these terms. 1. Claim: A form requesting payment that is sent to your benefits carrier by you or your dentist after a procedure based on your benefits plan. In-network dental offices usually submit them for you, but you might need to send the form yourself if you seek care from an out-of-network dentist. 2. Claim appeal: If your benefits carrier rejects a claim, you have the opportunity to state your case as to why the procedure should be covered. This takes the form of a claim appeal that your dentist will send to the benefits carrier. 3. Co-insurance: The percentage of the […]
Five Key Oral Health Talks Men Should Have With Children
June is Men’s Health Month. With Father’s Day around the corner, now is a great time to start passing fatherly wisdom about good oral health habits to the children important in your life. Here are five ways you can start conversations about oral health with children to make a lifelong health impact. 1. The Importance of Dental Care First, lead by example. Men are less likely to seek preventive dental care, and tend to visit a dentist only when an oral health problem arises. This leaves men more susceptible to experiencing more serious oral health issues. Demonstrate that preventive dental care, like brushing twice each day, flossing once daily and regular visits to the dentist, are key to keeping a healthy smile. Skipping dental visits or daily brushing and flossing can cause serious issues and require more extensive and expensive treatment later on. 2. The Risk for Oral Cancer The […]
How Mental Health Impacts Oral Health
Did you know that your mental health can affect your oral health? It’s easy to understand how brushing, flossing, and regular check-ups keep your teeth and gums healthy. However, you might not realize that your emotional well-being can also affect your teeth and gums. Chronic stress, depression, and anxiety can affect oral health in various ways, and it’s essential to consider mental health in oral health care. Keep reading to learn more about the connection between mental health and oral health. Stress and Oral Health Stress and anxiety are common mental health challenges that affect many people globally. Stress can make your heart rate increase, breathing shallow, and blood pressure spike, leading to clenching and grinding of teeth. When an excess amount of the stress hormone cortisol is found in the mouth, you’re more susceptible to chronic diseases, including gum disease.2 It has also been proven to contribute to: Inflammation […]
