Frequently Asked Questions

Perfect Smile

Frequently Asked Questions
for Perfect Smile


Q:
How many times a year can I have my teeth cleaned?
Two cleanings per calendar year.


Q: What is a pre-existing condition? Is it covered?
A pre-existing condition is an oral health condition, which existed before your enrollment in a dental program. The policy does not include an exclusion for pre-existing conditions.


Q: What is work in progress? Is it covered?
Work in progress is any oral health procedure that is started and not completed prior to your enrollment in a dental program. The policy does not cover any expenses prior to the date you are covered under the Policy.


Q: Are cosmetic procedures covered? If so, what procedures?
There are no benefits for cosmetic procedures.


Q: Is Orthodontia Covered? What are the Orthodontia benefits? If yes, is Invisalign braces covered?
There are no orthodontia benefits.


Q: Do I need to obtain claim forms?
American National Life Insurance Company of Texas will send the Insured a claim form when the Insured’s notice of claim is received. If the form is not furnished within 15 days from the time the Insured gives notice, the Insured may fulfill the proof of loss requirements by sending written proof covering the occurrence, the character and the extent of the loss for which claim is made within the time set in Proof of Loss.


Q: Is there a waiting period?
Yes, this plan contains waiting periods that must be satisfied before coverage is available for many services. Please refer to the Features page for waiting periods.


Q: Is this insurance?
Yes, this plan is a dental insurance policy offered through American National Life Insurance Company of Texas.


Q: Can I change my dentist once I am in the plan?
Yes, you may change your dentist at any time.


 
Q: How long does it take to process my application?
Your application will be processed within 5 business days of receipt.


Q: When will I receive my enrollment package and what will it include?
You will receive your enrollment package within 7 days of submission of your application. Your enrollment package will include a welcome letter and ID card.


 
Q: What will my bank statement read?
The transaction field on your statement will read "Dental Insurance". (This may vary based upon your bank.)


Q: Is the processing fee billed separately or with the premium?
For your convenience, your one-time processing fee is billed with your premium.


 
Q: Do the applicant name and the billing name need to be the same?
No, the applicant name and the billing name do not need to be the same.


Q: What if I need to change my membership from Individual to Family Coverage?
Contact member services to add any dependents to your membership.

Q: How do I add or cancel coverage for a dependent?
Contact member services to add or cancel coverage for a dependent.


Q: If I cancel the policy, will I receive a refund of the premium or processing fee?
If you pay quarterly, you will receive a pro-rated refund for the unused months. Your one-time processing fee is non-refundable.