Broker blog from Delta Dental

Category: Insights for selling (Page 1 of 2)

Get tips and tricks to help you sell Delta Dental plans.

Add vision and hearing deals to your dental sales

Delta Dental plans have always been great when it comes to oral health and wellness. With the addition of deals on LASIK eye surgery from QualSight and hearing aids from Amplifon, your clients can get even more value from their plans.

What can QualSight and Amplifon do for you? 

Every Delta Dental enrollee now has access to great deals on hearing aids and LASIK eye surgery from QualSight and Amplifon. This means your clients can get discounts of 40–50% off the average price of traditional LASIK from QualSight’s experienced surgeons. With Amplifon, they get an average of 62% off retail hearing aid pricing, backed by a best price guarantee.

Vision corrective services and Amplifon’s hearing health care services aren’t insured benefits. Delta Dental makes the vision corrective services program and hearing health care services program available to enrollees to provide access to the preferred pricing for these services.

What does this mean for you?

Now the Delta Dental plans you sell come with even more value-added services, with no extra effort on your end. After your clients buy a Delta Dental plan, they can call QualSight and Amplifon directly to take advantage of the discounts. The dedicated representatives from QualSight and Amplifon will walk them through the process, including scheduling appointments and coordinating follow-up care. There’s even a flyer you can print or send to your clients.

Now what?

To learn more about these deals and see your other resources, take a look at your broker resources page or download the brochure. You can also visit QualSight and Amplifon’s pages for Delta Dental enrollees.


Your sale, your broker link, your reward

When selling insurance, getting credit for a sale can be the difference between a nice commission and wasted effort. That’s why we’ve made it easier for you to get credit for online enrollments, no matter where or when your client chooses to enroll.

Broker links credit your effort

Your unique broker link connects your clients to our instant quoting and enrollment flow, automatically crediting you for the sale when they enroll online. Share it with your clients on brochures, emails, websites and the rest of your marketing materials. The more places your clients can see that link, the more likely you are to get credit.

Finding your broker link

To find your broker link, log in to your online account and select the Business Information tab. Then, choose the Links section after your business information. If you don’t have your unique broker link or need more guidance, just email producerservices@delta.org or call 866–760-4080.

More ways to get credit

On the online enrollment application, tell clients to click “Yes” when asked “Are you working with an insurance agent or broker?” Then have them enter your broker number in the Broker Number field.

When your clients are filling out printed applications, remind them to add your Delta Dental information, including your broker number, in the Agent/Producer Information section.

For additional information about selling, commissions, appointment and more, visit our broker resources page.


The cost correlation: Dental benefits may lower businesses’ overall health spend

4‑minute read

It’s common knowledge that oral health is linked to overall well-being. What might surprise you, however, is the significant impact employees’ oral health status can have on a business’s total health care budget. In fact, of the top 10 health conditions costing employers the most, five are linked to oral health.*

No. 1: Diabetes

Topping the list of costliest employer conditions is diabetes, affecting nearly one in 10 Americans. Not only do diabetics face a higher than normal risk for developing oral health problems like periodontal disease and oral infections, but these problems may be more severe for a diabetic person. It’s not all bad news though. It’s been suggested that treating gum disease can help control blood sugar in diabetic patients, which may slow disease progression. And, receiving routine dentist cleanings and practicing healthy oral hygiene habits may help to lower HbA1c levels (average blood glucose over time).

No. 2: Cancer

Oral cancer is likely not the first cancer that comes to mind for most of us. Yet, head and neck cancers (85% of which are oral) account for approximately $3.2 billion in treatment costs each year.

Oftentimes, the early symptoms of oral cancers go unnoticed by patients, making them particularly dangerous. That’s why regular dental exams are so important. Dentists and dental hygienists may be able to identify the signs and symptoms of oral cancers when they’re still in the early or even pre-cancerous stages.

No. 5: Heart disease

The dental industry has been aware of the correlation between heart disease and oral health for years, and supporting evidence continues to emerge. While we still can’t say the relationship between oral health and heart health is causal, new research suggests that poor dental health, including gum disease and infrequent toothbrushing, may be a risk factor for heart disease.

No. 6: Hypertension

Recently, an association between hypertension and dental health has also been found — specifically blood pressure control. A new study showed that those with gum disease were less likely to respond to hypertension medications than those with good oral health. The authors of this study go on to say that “those with high blood pressure might benefit from regular dental care”.

No. 10: High-risk pregnancy

Compared to the average employer medical costs for a healthy, full-term baby, the costs for premature and/or low-birth weight babies is nearly 12 times as much. While the relationship between periodontal disease and adverse pregnancy outcomes is still being explored, we do know that a mother’s health can impact her baby — and oral health is no exception. Research suggests that expectant mothers with poor oral health may face higher risks of pre-term delivery and of passing disease-causing bacteria to their child. This makes it even more important for expectant mothers to receive regular dental exams during pregnancy. The dentist can evaluate the individual needs of the mother and may even recommend an additional cleaning.

How can dental benefits help?

Regular dental care can help manage certain health conditions and even detect some early, which can help prevent costly medical expenses in the future.

However, dental benefits may be able to do more than cover routine dental care to improve wellness. Ask these questions to find out how well a dental carrier can boost overall health and your clients’ bottom line:

  • Is there extra support for those with chronic conditions such as diabetes or heart disease? Providing additional coverage to enrollees with certain medical conditions may prevent or halt the progression of disease, which can help manage dental and medical expenses down the road.
  • How can clients track employees’ oral health status? Regular reporting on enrollees’ oral health habits can highlight where a group is doing well and help identify areas where enrollees can improve oral health, and in turn, improve overall health.
  • How is oral health supported during pregnancy? Are additional cleanings covered? An extra cleaning during pregnancy can lead to healthier babies and may lower certain pregnancy risks associated with oral bacteria.
  • Are oral health and wellness resources readily available? Enrollees may not even be aware of the impact oral health can have on their overall health. Carriers who provide valuable wellness resources can help encourage enrollees to be active participants in their oral health.

For more thought leadership from Delta Dental, subscribe to Insider Update, our newsletter for brokers, agents and consultants.

If you’re a benefits decision maker, administrator or HR professional, subscribe to our group newsletter, Word of Mouth.


*The oral health information in this article is not intended to be used as medical advice. Always consult a licensed dentist or other qualified health care professional for any questions concerning oral health.

Freedom to choose and other myths about visiting the dentist

3‑minute read

If you’re taking a consultative approach to selling benefits, you most likely aim to help your clients answer their enrollees’ biting benefits questions. Especially if you work with small business owners, it’s important to brush up on plan details so you’re ready to provide support when necessary.

Health insurance, both medical and dental, can be confusing. Even if enrollees understand plan basics, the details can be tough to understand – and difficult to find. So we’re going to break down three common myths about choosing a dentist, for both Delta Dental PPO™ and DeltaCare® USA plans.

Myth: Enrollees don’t have much choice, if any, in the dentist they visit.

Fact: Not true. In a PPO plan, enrollees and their dependents can visit any licensed dentist and use their plan benefits. (However, they will usually save more when they visit a Delta Dental PPO dentist.)

For DeltaCare USA enrollees, this is a myth as well. Though our copay plans feature a narrower network of dentists to choose from, enrollees have the option to select a dentist from the DeltaCare USA network. If they don’t make a selection, then we will assign them a network dentist near their home address. Enrollees can also change their selected network dentist, and changes will be effective the following month.

With Delta Dental PPO and DeltaCare USA, enrollees may have more freedom to choose their dentist than you think.

Myth: Enrollees must present an ID card when they visit the dentist.

Fact: Regardless of plan type, this is not a requirement. Enrollees can simply provide the dentist with their name, date of birth and social security number or enrollee ID to verify coverage. Or they can display ID cards from their mobile device by logging in to Online Services on deltadentalins.com.

We could all benefit from going green, so encourage enrollees to take their ID cards on the go.

Myth: Enrollees need to submit claim forms for each dentist visit.

Fact: Convenience is a major advantage of visiting a network dentist. For our PPO and copay plans, enrollees do not need to file claims when they visit a dentist in their network for routine dental care. Enrollees simply visit their dentist, pay their set copayment or share of coinsurance and leave with a healthier smile.

Claim forms may apply for out-of-network, specialty and emergency care, or to get a pre-treatment estimate.


For a quick guide to answering enrollees’ benefit questions, direct your clients to our resources for benefits administrators online.

Want more benefits solutions, industry news or HR tips and tricks? Subscribe to Insider Update.

If you’re an employer, benefits administrator or HR professional, subscribe to Word of Mouth.

Singled out: 3 benefits of stand-alone group dental

What’s great about being single? When it comes to stand-alone dental plans, there are many important things for your group clients (and you) to consider. Do your clients know the benefits of stand-alone benefits? Let’s break it down:

1. If your clients don’t already offer dental coverage, do they know that dental benefits are, generally, worth the premium?

Here’s a sample of enrollee costs — in a voluntary plan.

Dental coverage is more than a way to attract and retain talent and help keep your clients’ workforce productive; it’s an affordable addition to a benefits package when you put network savings into perspective. (Despite what others may say.) You can use the graphic below to help communicate the value of dental benefits to your clients who don’t already offer coverage.

Sample enrollee costs: exams, cleanings and crown total cost without coverage $1,312; annual premium, deductible, exams, cleanings and crown total cost with coverage: $835

2. For clients who are considering combining their benefits, do they know the pros and cons of embedded coverage?

With more than half of Americans enrolled in health plans with deductibles higher than $1,000, some of your clients may not be offering meaningful benefits. With a high combined medical/dental deductible to satisfy before the plan covers dental costs, it may be difficult for healthy enrollees to receive meaningful dental coverage.

3. Have your clients considered the value of stand-alone customer service?

Taking some of the guesswork out of service makes things easier. You wouldn’t ask your electrician for plumbing advice, would you?

We offer group clients an effective service model: national service with local support. Your clients receive account service from a single point of contact, and their enrollees receive dental-specific tools and technology, claims processing with dental consultant staff review and dedicated benefits and claims customer service.

To learn more about our stand-alone dental benefits, contact your local account executive. If you don’t know your contact, you can find a regional sales office on our directory.

5 dentists your clients won’t find in our networks

At Delta Dental, we don’t lease any of our dental networks. In fact, our Professional Relations department specializes in developing close relationships with our providers to ensure quality care for enrollees. This Halloween season, we’re showing you what not to expect in our networks — and that dental visits might not be so scary after all.

Mother and daughter carving pumpkin

Here are some doctors enrollees won’t find in our networks:

  1. Philip Sherman, Finding Nemo

Okay, so P. Sherman might not be your run-of-the-mill villain, but why would anyone want to visit a man who lets his niece torture adorable sea creatures? Plus, enrollees can find a credentialed network provider easier than getting “just keep swimming” stuck in their heads with our Find a Dentist tool.

  1. Stuart Price, The Hangover

While Stu seems like a stand-up guy, enrollees probably don’t want to look up from the chair and see a dentist with a missing tooth, a knot on his head and point-blank taser wounds on his neck. Ouch.

  1. Wilbur Wonka, Charlie and the Chocolate Factory

Unlike Willy Wonka’s father Wilbur, we don’t believe that “lollipops ought to be called cavities on a stick.” While our dentists want patients in great oral health, they don’t use scare tactics to achieve wellness. Instead, our dentists encourage regular preventive care and good oral hygiene to combat plaque and decay. (For wellness tips that your clients can share with enrollees, check out our SmileWay Wellness Program.)

  1. Orin Scrivello, Little Shop of Horrors

Arguably the most evil dentist character ever played, Orin is the exact opposite of what you’ll find in our networks. In fact, we have a whole team of dental consultants on staff dedicated to reviewing claims and preventing fraud, waste and abuse.

  1. Mindbender, G.I. Joe 

There’s no mind bending or brain scrambling here — thanks to our enrollee Online Services! Enrollees can log in at deltadentalins.com to view their benefits, check claims status and even look up average submitted fees for common services with our Fee Finder tool.

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