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 […]
Tips for Choosing an In-Network Provider
Whether you’re looking for a dentist close to home, one with great recommendations from patients, or a dentist office with flexible office hours that fit your schedule, we make it easy to find dental care providers. Learn how to find an in-network provider and why choosing an in-network dentist can help you save money. Talk about something worth smiling about! What Does “In-Network Dentist” Mean? An in-network dentist means that your dentist is part of your dental plan, and they have agreed to provide you with dental care at your plan’s rate. An out-of-network dentist is separate from your dental plan and has not agreed to pre-established rates for treatment. You may choose to see an out-of-network dentist, but you may pay end up paying more out of your own pocket. The difference in fees between in- and out-of-network dentists is often called a “discount” or “network savings.” Those with […]
Save Money with a Network Dentist
TruAssure gives members access to an extensive nationwide dental network.* When TruAssure members visit a network dentist, they can save between 20 to 40 percent on their dental treatment. Network dentists accept TruAssure’s allowed fees as payment in full and cannot charge patients the difference between TruAssure’s allowed fee and their submitted fee. The below chart is an example of how much you can save when you visit a network dentist. Network dentists cannot bill the difference between the TruAssure allowed fee and their submitted fee. It is easy to see how visiting a network dentist can save you money. Visit TruAssure.com to find a network dentist today. *All TruAssure dental plans, other than Basic and Preferred dental plans, are offered in association with the DenteMax Plus dental network arrangement, which includes participating dentists from the United Concordia, DenteMax and Connection dental networks in all states but North Carolina, […]
Frequently Asked Questions about Children’s Oral Health
Helping your child develop good oral health habits not only benefits their smile, but is also vital to their overall well-being. Cavities are one of the most prevalent diseases among children. If a cavity, or other oral health issue, remains untreated, it can cause discomfort and affect common tasks like eating, speaking and even learning in school. Teaching your child how to properly care for their teeth as well as visiting the dentist regularly ensures that your child keeps their teeth healthy for a lifetime. We’ve put together a list of ten common questions asked about children’s oral health. 1. When should I start brushing my child’s teeth? You can start good oral health habits from birth. Gently wipe your baby’s gums with a wet washcloth or gauze after feedings. Once teeth emerge, you can use an infant tooth brush and a tiny amount (a smear the size of […]
