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 […]
Fillings 101 – Everything You Need to Know
Fillings are a restorative dental procedure used to treat tooth decay and repair cracked or broken teeth as well as prevent further damage. According to the CDC National Center for Health Statistics, 91 percent of adults have experienced tooth decay.1 Many people have had a filling by the time they enter adulthood and are likely to continue to need or replace fillings throughout their lifetime. If you need a filling, there are many factors you should consider and discuss with your dentist. Types of Fillings When you receive a filling, the dentist first numbs the tooth and surrounding area before he or she removes the decayed part of the tooth. The dentist then fills the cavity with either an amalgam filling or a composite filling. An amalgam filling is silver in color and made from a combination of different metals including silver, mercury, tin and copper. Although amalgam contains mercury, […]
