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 […]
Understanding Your Dental Benefits with TruAssure
Dental plan terminology can be confusing. You might have heard the terms listed before but maybe aren’t sure what they mean. This could lead to misunderstanding what your dental plan covers. We’re here to help you brush up on your dental benefits knowledge to ensure you make the most of your dental coverage! Deductibles A deductible is the amount of money you pay toward your dental care before TruAssure contributes. Deductibles can be annual or lifetime depending on your plan, and there can be different ones for individuals and covered dependents (family). Deductibles can apply to certain services or an entire plan. The specific deductible you or your family is responsible for depends on your dental plan. Annual Maximum An annual maximum is the total amount your TruAssure plan will pay toward the cost of your care per year. Annual maximums can range from $1,000 to $5,000 depending on your […]
Understanding Your Dental Benefits
Dental benefits go hand in hand with good oral and overall health. However, 46% of adults aged 30 years or older in the United States show signs of gum disease.1 Finding the right dental plan and understanding how to get the most from your benefits can help you care for your oral health while staying true to your budget. Learn how you can take advantage of the benefits of preventive care, schedule treatments at the right time and save money. Comparing Dental Coverage Options Choosing dental coverage that’s right for you and your family starts with looking at your needs. One way to do that is to review how you used your dental coverage in previous years –– including trips to the dentist and completed procedures –– and evaluate your current health conditions. Compare the dental coverage options based on the type of services you need. There are three common […]
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, […]
