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 Pre-Treatment Estimates
When planning for any dental treatment, it’s important to know the costs involved – understanding what is covered by your dental provider and the difference for which you will be financially responsible. A pre-treatment estimate is a free service that TruAssure provides to its members which details an approximate idea of how much a procedure will cost before it’s performed. This can help you and your dentist make a better-informed decision about your treatment options. How to Obtain a Pre-Treatment Estimate Getting a pre-estimate is easy. The process starts with contacting your dentist, who will then submit a proposed treatment plan and supporting X-rays and documents to your insurance provider. Once the documents and benefits are reviewed, you’ll receive an estimate which outlines your out-of-pocket costs. The estimate is based on the type of dental plan you have, your eligibility and current plan benefits and the amount remaining in your […]
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, […]
