Frequently Asked Questions

Standard Plan

Q: How many times a year can I have my teeth cleaned?
Two cleanings per benefit year based on your effective date.
Q: What is a pre-existing condition?
A pre-existing condition is an oral health condition, which existed before your enrollment in a dental program.
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 use an industry-accepted form for submission to an insurance carrier. In the event your provider asks for a claim form, please contact customer service.
Q: Is there a waiting period?
Yes, there is a 12 month waiting period on other services. The waiting period does not apply to preventive services or fillings. You may be eligible for no waiting periods if you meet following criteria:
• You are currently enrolled in a Group Dental plan and coverage is terminating or you currently have other Individual Dental coverage; and
• Application is submitted within 63 days of the existing coverage terminating; and
• Proof of similar coverage (with major services) is submitted at the time of application. Examples: certificate of credible coverage, copy of the benefit summary, or copy of the ID card. Your dentist should also be able to help you obtain this information if you cannot locate it.
Notes: 1.) Waiting periods do not apply in Washington.
Q: Is this insurance?
Yes, this is a dental insurance plan offered through Starmount Life Insurance.
Q: Can I change my dentist once I am in the plan?
Yes, you may change your dentist at any time.
Q: When will I receive my membership package and what will it include?
If you elect electronic acceptance your policy will be emailed to you within 2-3 business days after receipt of application. If you do not elect electronic acceptance, your policy will be mailed to your home within 7-10 business days after receipt of your application and initial premium payment. ID cards are available online once your policy is effective. Visit www.AlwaysAssist.com to register for online services.
Q: How long does it take to process my application?
Your application will be processed within 3 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 "Starmount Life Insurance"
Q: If I choose to pay by Bank Account Draft (ACH), what will my bank statement read?
In most cases, the transaction field on your statement will read "Starmount Life Insurance"
Q: Is there a processing fee?
There is no processing fee for this plan.
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?
You may add dependents to your plan with the following notes: 1. Dependents are subject to a twelve month waiting period 2. Coverage will be effective the first of the month following the receipt of the request and premium has been processed. You may send requests to oneplus@starmountlife.com or contact customer service to add or cancel coverage for a dependent.
Q: How do I add or cancel coverage for a dependent?
To add or cancel coverage for a dependent call Customer Service, email oneplus@starmountlife.com, or mail your request to 8485 Goodwood Boulevard, Baton Rouge, LA 70806. The effective date of termination will be the last day of the month for which premium is paid.
Q: If I cancel the policy, will I receive a refund of the premium?
No, the effective date of termination will be the last day of the month for which premium is paid.