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 […]
Kick off the School Year with a Smile!
As schools prepare to resume classes this fall, parents should make sure their kids are healthy and well to start the school year right. That includes scheduling a routine dental checkup. Importance of preventive oral health care Dental problems can interfere with children’s eating, speaking, and learning abilities. Regular dental screenings and cleanings can help to prevent cavities, gum disease, and other dental problems. Back-to-school is also a great time to review how pre-estimates can be utilized when determining costs of various treatments that might arise before the end of the year. Benefits of routine dental checkups Routine screenings help to identify any potential problems early on. Early detection and treatment of dental problems can help prevent more severe problems from developing. Dentists can also help educate children about the importance of good oral hygiene, such as brushing and flossing techniques and healthy snacking. During a routine cleaning dentists remove […]
Mid-Year Check-In: Maximizing Dental Benefits
Summer is here, which means we’re halfway through the year, and now is a great time to see if you’re taking full advantage of your dental benefits and schedule a mid-year dental cleaning. It’s also an opportunity to brush up on preventive care, such as cleanings, X-rays, and fluoride treatment. Most TruAssure plans cover dental check-ups twice yearly, so a mid-year cleaning is a perfect way to maximize your dental benefits. Early detection means more savings down the road Visiting the dentist regularly can help assess and identify potential oral health problems early on. Your dentist can detect more than 120 health conditions – including heart disease, diabetes, and oral cancer. Early detection and treatment can prevent more severe oral and overall health complications and help avoid additional treatment costs. Preventive care goes a long way Preventive care helps avoid issues that could become more significant problems but can also […]
