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Help Center: FAQs

Does TruAssure offer individual dental insurance?

Yes! While many families get TruAssure coverage through their group or employer, you can also enroll yourself or your family.

Do TruAssure plans meet the pediatric dental requirements of the Affordable Care Act (ACA)?

Yes. TruAssure's ACA-certified Basic and Preferred plans offer individuals and families comprehensive dental plans that meet ACA requirements for pediatric dental coverage as well as coverage for adults. Dental plans available vary by state. Visit our Shop for Plans page to see what plans are available in your area.

How old can my kids be and still be covered?

Your dependent children can be covered on any of our dental plans until they turn 26. However, the benefits or rates may differ for different age groups depending on the dental plan that is selected. See the Shop for Plans page for more details or contact us.

How can I find out if my dentist is part of the TruAssure network? How do I get a list of dentists near me?

Easy - Just visit our Find a Dentist page and enter your zip code or address to search. Or, call our Customer Service department at 888-559-0779, and we'll be happy to help you! Don't forget to verify your dentist's participation when you make your appointment. 

All TruAssure 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.


Can I visit dentists who aren't in the TruAssure network?

Yes, but depending on your plan, you may pay higher out-of-pocket costs if you see an out-of-network dentist. See the Shop for Plans page for more details or contact us.

Do I need a pre-treatment estimate?

No, but before you schedule a procedure, it's always a good idea to ask your dentist what out-of-pocket costs you'll be responsible for. We recommend a pre-treatment estimate for services over $300 to help you plan accordingly.

Do I need a claim form?

If you visit an in-network dentist, they will submit the claims for you. If you visit an out-of-network dentist, you may need to submit a claim form yourself.

What is my annual benefit maximum?

The annual maximums for TruAssure's dental plans vary. Please refer to your policy or call our Customer Service department at 888-559-0779 for questions about your annual maximum benefit.

What is my annual out-of-pocket maximum?

The out-of-pocket maximum for our ACA-certified Basic and Preferred plans varies by state and is only applicable to plans for individuals under age 19. TruAssure does not limit your out-of-pocket costs for our traditional dental plans.

What's the difference between a deductible and a co-payment?

deductible is an amount that you are responsible for paying before coverage begins-usually a fixed amount like $50.

co-payment is the percentage of costs you pay after TruAssure coverage. You'll pay between zero and 50% of the costs, depending upon your plan and which dental procedures you've received.

If I'm covered under my employer's plan, can I continue my dental coverage if I leave my job?

Check with your employer's Human Resources department to see if you are eligible for COBRA benefits. Your employer will share COBRA information (including your eligibility and length of continuance) with TruAssure to make sure you keep your coverage, if possible.

And remember, you can always enroll in any TruAssure plan individually.

How can I find out how much I owe for dental services?

After visiting the dentist, you’ll likely receive an Explanation of Benefits (EOB) from TruAssure outlining what your dentist charged for procedures performed, what is covered by your dental plan and what you owe the dentist (if you owe anything). You can also log into our member portal to access detailed benefits information and any EOBs you have received for your dentist visits.

Remember, an EOB is not a bill. In some cases, you may notice that the check amount listed on your EOB does not match what you owe. This is because the check amount is a bulk check amount, meaning the total amount sent to your dentist also includes amounts from other patients treated at their office. You should reference the gray Claim Summary box on the first page of your EOB for any specific information related to your claim. View our flyer for more information on understanding your EOB.