Insider Update

Broker blog from Delta Dental

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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.

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.


Grin! for Kids: a value-added resource for family dental plans

Educating families about dental care in creative ways raises prospects for buy-in to a Delta Dental plan. The way to engage children in dental care is to give them opportunities to learn about taking care of the teeth, gums and mouth so their smiles are healthy.

Grin! for Kids is a coloring and activity book with fun, educational projects for children in grades K‑5. It is a free resource that adds value to a Delta Dental plan. The book can be printed out at home for easy access, as parents show children about preventive care in taking advantage of plan benefits.

Each issue of Grin! for Kids, available in English and Spanish, contains new ideas and information that families can share as they maintain regular visits to their dentist under their plan.

Dental care is an important part of overall health

Dental health is about more than just dental health. As the Surgeon General’s Report on Oral Health in America put it: “…oral health is integral to general health. You cannot be healthy without oral health. Oral health and general health should not be interpreted as separate entities.”

Not surprisingly, then, neglecting dental health can impact more than just teeth and gums. While a common perception is that poor dental health affects only the mouth, it has also been associated with a variety of general health conditions.

While there isn’t conclusive evidence that poor dental health causes these conditions, studies have linked certain dental conditions, such as periodontal gum disease, to stroke and bacterial pneumonia.

The link between poor dental health and heart disease is particularly strong. For instance, a study published in the American Heart Association journal Circulation suggests that gum disease may increase the risk of heart attack by almost 50%. And in the same issue of the journal, it was reported that there’s increasing evidence for an association between gum and heart disease.

For women who are pregnant, poor oral health may affect not only their health but the health of their babies as well. For instance, a 2016 study found a possible link between gum disease and adverse pregnancy outcomes, including premature deliveries and babies with low weight at birth.

Oral health issues can also be symptoms of serious health conditions. For example, dry mouth, bad breath, gum disease and new or slow-to-heal dental infections may indicate untreated diabetes. Patches or numbness in the mouth, jaw pain or difficulty chewing may signal oral cancer.

Access to dental care, then, is important not only for maintaining healthy teeth and gums but for maintaining overall wellness and ensuring that no other, more serious health issues are present.

A key to this access is having dental benefits. People who have dental benefits are not only more likely to visit the dentist than people without them, but they’re also more likely take their children to the dentist, according to a National Association of Dental Plans (NADP) report. The report also notes that these people experience greater overall health than people without dental insurance.

The cost of skipping this care is significant. Each dollar spent on preventive dental care can save as much as $50 later on costly restorative treatments, such as fillings and crowns. And each year, $45 billion is lost in productivity due to dental disease, according to an estimate from the Centers for Disease Control and Prevention.

So when discussing dental health, remember — it’s about much more than dental health.

Grin! offers clients and their employees a free and fun wellness resource

Encourage your clients to brighten their smiles — and their days — with Delta Dental’s fun, informative and free e‑magazine: Grin!

Available in English and Spanish, this quarterly publication is full of useful and entertaining content, such as:

  • The latest news on dental care — including what to do during the coronavirus pandemic
  • Advice from experts
  • First looks at innovative technology
  • Fun features
  • Healthy recipes, and more

And because dental health is strongly tied to overall health, Grin! also explores how many chronic health conditions, including heart disease, diabetes and depression, are related to dental care. In fact, Grin! explains how allergies and oral health are related in the recent summer issue.

See for yourself: Check out the latest edition of Grin! here. And it’s easy to subscribe. With just one click, your clients and their employees can receive all that Grin! has to offer, four times per year.

Healthy, happy employees are the key to a productive workplace, and Grin! can help. Why not offer it your clients today?

And if they do choose to subscribe to Grin!, be sure to remind them to download this free poster that they can use to promote this great resource to their employees.

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