Frequently Asked Questions

Intermediate

Q: How many times a year can I have my teeth cleaned?
The plan pays the preventive benefit up to twice per year separated by at least 150 days.
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 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?
There are no orthodontia benefits.
Q: Do I need to obtain claim forms?
Most providers will file claims directly with Us. You are responsible for filing a claim with Us if the provider does not file it. See your Dental Policy Packet for details.
Q: Is this insurance?
Yes. This is an Indemnity Plan.
Q: Can I change my dentist once I am in the plan?
You have the freedom to see any dentist of your choice - no network restrictions.
Q: When will I receive my membership package and what will it include?
Your Dental Policy Packet will be sent to you as soon as the policy is issued. U.S. Mail or email delivery is available. It will include the Welcome Letter, your Insurance ID Cards, Policy Fee Schedule and Guide to Your Coverage.
Q: How long does it take to process my application?
Your application will be processed within 2 business days of receipt.
Q: If I choose to pay by credit card, what will my credit card statement read?
When paying by credit card, your statement will read "Time Insurance Company 800-###-####".
Q: If I choose to pay by Bank Account Draft (ACH), what will my bank statement read?
The transaction field on your statement will read "Time Insurance Company 800-###-####".
Q: Do the applicant name and 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 or cancel coverage for a dependent.
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?
The Policyholder may cancel this coverage at any time by sending written notice or calling our office. Upon cancellation, we will return the unearned portion of any premium paid, in accordance with the laws in the Policyholder’s state of residence.