Dental Resource Guide

Whether you’re just starting to think about a trip to the dentist or you want to know what to expect after a visit, the Dental Resource Guide helps you get the most out of your plan.

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Questions?
Need Assistance?

866-387-0484

We have customer care specialists available to assist you.

Which dentist can I visit?


You have the freedom to visit the dentist of your choice, with no network restrictions.


How do I know what my plan pays for services?


Your policy has a list of scheduled benefit amounts, which shows the amount we pay for a covered service. Log in to view your scheduled benefit amounts. You’ll find these amounts listed under insurance plan documents.

Why is it important to review my policy?


Your policy is key to helping you understand your Dental coverage. It holds information such as:
  • Personalized policy information
  • Benefit details
  • Frequently used dental terms and definitions

Please review your policy for plan details and to make sure your personal information is accurate.

What information is on my ID card?


Your ID card holds your plan number, our Customer Service phone number and claims information. Please note that the card is double-sided.

What should I bring to the dentist’s office?


Remember to bring your ID card. It shows the dentist’s office how to file a claim to Time Insurance Company for processing toward your benefits.

Who files my dental claim?


Generally, your dentist will file your claim and we’ll send the payment directly to them. In some cases, your dentist may want you to pay them directly and you’ll need to file the claim with Time Insurance Company in order to be reimbursed. If this happens, call us at 866-387-0484 — we’ll help you with next steps.

How will I be billed for services?


In most cases, Time Insurance Company will process your claim within 30 days of receiving it from your dentist. Then, we’ll send you and your dentist an Explanation of Benefits (EOB). Your dentist will then bill you the amount that you are responsible for paying.

View a sample EOB

Can I view my policy and Explanation of Benefits online?


Yes. E-delivery is a convenient way to view your policy and EOB online.
Sign up for e-delivery today

Other questions? Don’t hesitate to call!

Customer Service is ready to help with any questions you might have. Call us at 866-387-0484 if you’d like to:
  • Verify benefits
  • Request new ID cards
  • Check the status of a claim
  • Add someone to your policy
  • Switch plan levels if your needs change

And more! We’re always here to help.

Dental plan options1

  • There's no waiting period for checkups.
  • In the first policy year, payments for services other than checkups are 50% of the per-service benefit listed. After the first year, payments for services are 100% of the per-service benefit.
  • For major services covered by the Plus plan only, there is a 180-day waiting period in most states. This waiting period applies in all states where Dental coverage is available except Kansas.

 

Basic

 

Intermediate

 

Plus

Checkups (includes cleanings, exams, x-rays, fluoride and sealants)2
Plan pays
$75/visit
(2 visits per year)
Plan pays
$100/visit
(2 visits per year)
Plan pays
$100/visit
(2 visits per year)
Fillings3
Plan pays
$45 - $200
Plan pays
$90 - $375
Plan pays
$90 - $375
Extractions3
Plan pays
$40 - $50
Plan pays
$80 - $100
Plan pays
$80 - $100
Crowns4
Plan pays
$40 - $450
Oral Surgery4
Plan pays
$75 - $1,000
Annual Maximum (combined calendar-year benefit for basic and major services)
Plan pays
$500
per year
Plan pays
$1,000
per year
Plan pays
$1,500
per year
Disclaimers
  • THE SUPPLEMENTAL DENTAL PLAN PROVIDES LIMITED BENEFITS. This plan is not minimum essential coverage under the Affordable Care Act. The plan DOES NOT meet the pediatric dental coverage requirements as mandated by the Affordable Care Act. Pediatric dental coverage that meets the Affordable Care Act’s coverage level requirement may be purchased through your state’s marketplace or your insurance agent.
  • Two visits per person each policy year, separated by at least 150 days.
  • In the first policy year, payments are 50% of the per-service benefit listed. Payments are 100% after the first year.
  • In the first policy year, payments are 50% of the per-service benefit listed. Payments are 100% after the first year. A 180-day waiting period applies.

Frequently used dental terms and definitions

Benefit waiting period

The period of time coverage must be in force before a covered person is eligible for payment of a particular type of benefit. Any applicable benefit waiting period and its term will be shown on the policy schedule (page 1 of your policy). Multiple benefit waiting periods may apply and run concurrently under this plan.

Calendar year

The period beginning on January 1 of any year and ending on December 31 of the same year.

Cosmetic services

A surgery, procedure, injection, medication or treatment primarily designed to improve appearance, self-esteem or body image and/or to relieve or prevent social, emotional or psychological distress. Your plan does not cover cosmetic services.

Dentist

A person licensed to practice dentistry by the state, or other geographic area within the United States and its territories, in which the covered procedure is rendered. The dentist must be practicing within the limits of his or her license and in the geographic area in which he or she is licensed.

Dental hygienist

A person licensed as dental hygienist by the state, or other geographic area within the United States and its territories, in which the covered procedure is rendered. The dental hygienist must be practicing within the limits of his or her license and in the geographic area in which he or she is licensed.

Exclusions and limitations

The policy pays limited, fixed indemnity benefits for dental treatments only. See the policy schedule for the limited benefit amounts and maximum benefit limitations.

Immediate family member

An immediate family member is:
  1. You or your spouse; or
  2. the children, brothers, sisters and parents of either you or your spouse; or
  3. the spouses of the children, brothers and sisters of you and your spouse; or
  4. anyone with whom a policyholder has a relationship based on a legal guardianship

Policy year

The period beginning on the month and day of the effective date in any year and ending on the same month and day as the effective date in the following year.


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