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.

 

  1. 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.

  1. 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.

« Older posts

© 2020 Insider Update

Theme by Anders NorenUp ↑