Broker blog from Delta Dental

Category: Delta Dental news (Page 1 of 6)

Stay up to date on the latest news in the dental insurance industry from Delta Dental.

5 ways Delta Dental is responding to the COVID-19 pandemic

Delta Dental is working to support our customers, dentists and local communities during the COVID-19 pandemic. Here are some of the ways we’re responding to this health and financial crisis.

1. Charitable giving to vital services

The Delta Dental Community Care Foundation has provided nearly $15 million this year to help nonprofits respond to the pandemic. These unrestricted grant funds have supported essential services, including dozens of dental and medical clinics serving low-income communities across our 15-state service area and the District of Columbia.

To help feed vulnerable communities during skyrocketing food insecurity, we’ve also contributed $2.5 million to food banks in Alabama, California, Delaware, Florida, Georgia, Louisiana, Maryland, Mississippi, Montana, Nevada, New York, Texas, Utah, West Virginia and the District of Columbia.

2. Dentist loan program

Partnering with Provide (formerly known as Lendeavor), Delta Dental has offered over $300 million in loan programs to provide economic relief for qualifying independent network dentists.

The loan program, which extends through the end of the year, covers cash flow relief as well as interest savings. It also includes loans that dentists can use to acquire, refinance, expand or equip a practice, as well as to acquire or refinance commercial real estate for a practice.

3. Relief for groups, individuals and brokers

We’ve offered various forms of premium relief to all lines of our business to help alleviate the financial strain of the pandemic on our individual customers and group clients. To provide further support, we’ve made adjustments to many of our contract policies to help clients and brokers weather the financial impact of the pandemic.

At the same time, we’ve also prioritized our brokers’ financial stability. Commissions have remained intact, with no reductions to offset premium relief.

4. PPE and infection control reimbursement for dentists

The new costs of practicing during a pandemic have added to the financial strain on our network dentists. To help, Delta Dental launched a supplemental reimbursement program for network dentists.

The temporary program, which runs through the end of the year, is meant to help dentists adjust to the new conditions under COVID-19 as they plan for 2021. Under the program, network dentists receive an additional $10 per patient per qualifying service to help cover the costs of additional personal protective equipment and other infection control practices.

5. Teledentistry resources

Delta Dental has encouraged dentists and patients to consider teledentistry options for diagnostic and emergency dental services. Teledentistry, or virtual consultation via phone, text or video, offers a safe, convenient choice and can expand access to care for patients who might otherwise not see a dentist.

We’re offering discounts and free trials on HIPAA-compliant teledentistry services to Delta Dental dentists and are building partnerships with teledentistry companies to improve the experience for our customers and network dentists.

Dental implants are coming to DeltaCare USA

A new kind of large group plan is coming to DeltaCare® USA plans in 2021. Effective January 1, 2021, DeltaCare USA i‑series plans will be available with comprehensive coverage for dental implants. Once i‑series plan rollouts are complete (there will be nine in total), they will be available in all 50 states and Washington, D.C.

These plans are designed to address the growing demand for dental implants. The same outstanding features that DeltaCare USA plans are known for, like affordable prices, coverage for orthodontics and coverage for teeth whitening are all still here, too. With this updated value proposition of enhanced benefits and consistent coverage, offering DeltaCare USA is a more attractive proposition than ever before.

For more information, please contact your account manager.

2021 Small Business Program changes: Overview

The end of 2020 is right around the corner, and that can mean only one thing: updates to plan portfolios for 2021! In particular, big changes are coming to the Small Business Program (SBP) portfolio.

Introducing the three-level system

The biggest update to the SBP portfolio in 2021 is the new three-level plan structure. Whether Delta Dental PPO™, Delta Dental PPO Plus Premier™ or DeltaCare® USA, all plans will now be classified Deluxe, Advantage or Core.

  • Core plans offer the baseline benefits and value that Delta Dental plans are known for.
  • Advantage plans balance the value offered by Core plans with the expanded benefits and coverage of Deluxe plans.
  • Deluxe plans offer the most coverage and the highest levels of benefits without compromise.

More, more, more

Delta Dental PPO plans are getting more of the benefits and options that brokers’ clients have been asking for. These new features include:

  • More coverage for popular benefits, like white fillings in front and back teeth
  • More dual choice and Core/Buy-Up plans for clients looking for more plan options
  • More voluntary plan choices
  • More plans for groups with 2–4 employees
  • And even more!

It’s all about value

When your clients think about Delta Dental, they think of great benefits and amazing value. The changes coming in 2021 are going to make that even clearer. These plans are going to be easier to understand, feature more of the benefits your clients will love and offer coverage for more groups no matter their size.

Stay tuned for more posts with updates on our 2021 SBP portfolio!

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.


Direct deposit puts commissions on a schedule

There are many good reasons to automating your commissions, especially in times of economic uncertainty.

What are the advantages of setting up direct deposits?

  • Timing. With direct deposit, you receive your commissions on the 10th  of the month, every month. This predictable schedule helps you more accurately plan your finances. Rather than waiting for checks to arrive and clear, you’ll always know when the money reaches your account.
  • Convenience. Make regular trips to the bank a thing of the past. Direct deposit saves you driving time, traffic stress, potential mail delays and long ATM lines. Besides, what’s easier than automatic?
  • Security. In case of mishap, learning what went wrong with a direct deposit is as simple as calling or emailing your financial institution. Direct electronic transfers make stolen letters, mail delays and incorrect deliveries a thing of the past.

How to sign up for direct deposit

If you’re interested in direct deposit, it’s simple to set up. Log in to your online account. Then go to the Business Information tab and then the Payment Information tab. Your payments will be sent directly to your account by the 10th business day of the month.

If you’d rather, fill out the direct deposit form (PDF, 90 KB) and scan a voided check. Save the completed form, then send both to producer-commissions@delta.org.


Teledentistry: what it is, and what it means for your clients

Businesses, schools and public space have been reopening for months now, and that includes dental offices. As part of the reopening efforts, more dentists and their patients have turned to teledentistry, an emerging trend that has the power to reshape the industry as we know it. Here are some common questions about teledentistry, as well as our thoughts about the impact teledentistry will have on the industry and how Delta Dental is addressing it.

What is teledentistry?

Teledentistry is when a dentist conducts a virtual consultation via phone, text or video to diagnose issues, offer care advice and determine if an in-person visit is necessary.

Teledentistry appointments can be synchronous, such as a video call where the dentist and patient are interacting with each other, or asynchronous, such as when the patient sends a description of his or her situation and a photo and waits for a reply.

Are teledentistry appointments covered by insurance?

Yes. Delta Dental covers teledentistry services as problem-focused exams. That means they fall into the category of diagnostic care, and are subject to the same rules and limitations (for example, D&P is usually covered at no cost to the patient, but only a certain number of such appointments are covered each year).

What kind of equipment is needed for teledentistry appointments?

The equipment and software needed may vary based on dentists’ preferences and capabilities. Teledentistry may require nothing more than a phone or may require a smart device, computer or specialized app.

If dental offices are reopening, why is teledentistry relevant?

Dentist offices may open, but that doesn’t mean that patients won’t benefit from teledentistry solutions. Just as working from home has shown the value of video meetings and connecting with coworkers without being in person, patients may find teledentistry a useful option when seeking dental care.

Additionally, not all patients are willing to return to the dentists. Surveys this past August by the American Dental Association (ADA) have found that 15% of people are waiting for a medical breakthrough such as a vaccine before they’ll go back to the dentist. Whether your clients are eager or hesitant to return the dentist, teledentistry is the perfect tool for staying in touch, getting care and getting advice without going into the dentist’s office.

What is Delta Dental doing with regards to teledentistry?

Delta Dental covers teledentistry appointments at the same benefit levels as diagnostic services to ensure that enrollees have coverage for their dental needs while staying safe from COVID-19. We’re encouraging dentists to use teledentistry for emergency diagnoses and non-emergency consultations. Delta Dental dentists are also eligible for discounts on teledentistry services. What’s more, Delta Dental is looking into partnerships with teledentistry companies to improve the experience for both dentists and their patients.

How will teledentistry change the industry?

COVID-19 has been disruptive to the entire economy, and the dental industry is no exception. That disruption is more than just economic, however. Expectations about what it means to go to the dentist are also changing. Dental patients may expect teledentistry to be included as a standard part of any insurance plan (for example, Kaiser Permanente is launching plans with a heavy focus on telehealth) and they may shy away from plans and dentists that can’t accommodate it. Patients who live in remote areas may also find expanded access to professional care because of teledentistry.

For dentists, teledentistry is more than just another option or add-on when it comes to providing care and in-person treatments. It may become a new source of income in the form of seeing more patients virtually.

For brokers, staying on top of the latest developments, industry best practices and customer expectations about teledentistry will become ever more important.

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