Insider Update

Broker blog from Delta Dental

Assisting your HIV-positive clients and their employees

More than a million people in the United States live with human immunodeficiency virus (HIV), according to the Centers for Disease Control and Prevention (CDC), and the mouth is one of the first areas of the body that can be affected by an HIV infection. In honor of World AIDS Day on December 1, here are some tips for supporting your group clients and their employees.

Oral manifestations of HIV

As many as 80% of people infected with HIV experience oral manifestations. People with HIV may experience the following dental health-related issues, according to the American Dental Association (ADA):

  • Dry mouth
  • Thrush
  • White lesions on the tongue
  • Red band gingivitis
  • Ulcerative periodontitis
  • Kaposi’s sarcoma
  • Oral herpes outbreaks
  • Mouth ulcers
  • Canker sores
  • Susceptibility to infections and tooth loss

It’s important to note that symptoms alone are not a diagnosis and that most HIV-related mouth issues are treatable. At least 58% of people living with HIV and AIDS don’t receive regular dental care. Encourage your enrollees to book regular dentist appointments, brush twice daily and floss. Not only will these preventive measures help protect their oral care, it could help identify an issue while there’s still time to treat it.

Additional support for clients

Thanks to advances in science and technology, HIV is far from people living with HIV have a better outlook than ever, but proper care and maintenance is still critical.

  • Share critical information. The CDC offers a wealth of information including shareable infographics, presentation slides, videos and more, in addition to hotline and referral services. About 13% of people living with HIV in the U.S. don’t know they have it. The CDC offers a search tool for free testing throughout the country.
  • Share dental resources with your clients. Delta Dental offers monthly wellness campaigns for benefits administrators that include informative articles, emails, flyers and more, including content for World AIDS Day.
  • Talk to your clients about SmileWay Wellness Benefits. If a person who’s HIV positive has an eligible Delta Dental PPO™ plan and opts in, he or she may be eligible for added benefits, including 100% coverage for one scaling and root planing procedure per quadrant and 100% coverage for four of the following in any combination: prophylaxis, periodontal maintenance or scaling in the presence of moderate or severe gingival inflammation. If your groups don’t offer this benefit, consider adding it to their plans.

Learn more about World AIDS Day and HIV resources.

Help your clients make the most of preventive care

Making full use of diagnostic and preventive services is one of the best things your group clients can do to stay healthy and save money. Regular trips to the dentist can help catch little problems before they become big ones. That means members can avoid potentially costly and painful dental problems and groups can save money and avoid lost productivity, all by increasing D&P utilization.

Enter the preventive care reminder campaign

The new preventive care reminder campaign can help your self-insured group clients boost their D&P utilization. This is an email campaign for members who haven’t generated any dental claims in the past seven months. As part of this campaign, members will receive a series of three emails. They’ll receive:

  1. An email reminding them to schedule an appoint for a cleaning and exam.
  2. A congratulatory email after their visit applauding them for taking charge of their oral health. This email will also encourage them to set a reminder to return to the dentist in six months.
  3. A reminder email to schedule another exam and cleaning (if they chose to set one).

Does this campaign really work?

By comparing claims data across different groups, we’ve found a substantial increase in preventive care utilization rates among employees who receive and open preventive care reminder emails.

Higher D&P utilization means healthier smiles for members, more savings for group clients and another perk you can use to make selling Delta Dental even easier. That’s what we call win-win-win.

Want more info about the preventive care reminder campaign for your self-insured group clients? Contact your Account Executive!

Introducing the updated Delta Dental Mobile App

Delta Dental has relaunched its free mobile application. The updated Delta Dental Mobile App is faster and more stable and offers useful features such as member ID cards, the Find a Dentist tool and a cost estimator. The new app is available for both iOS and Android devices.

The current app will be disabled after December 19, 2021. For a seamless user experience, Delta Dental members who have the app installed should first download the updated app from the App Store or Google Play and then remove the current app from their device.

Saved dentists and dependent information will be automatically transferred to the new app, and members can use their current username and password to access it.

The Delta Dental Mobile App uses the latest security technology to protect users’ personal health information. No personal health information is ever stored on your device. For more details on security, view our Privacy Policy in the app menu.

For questions about the app, or if you having trouble logging in, contact Delta Dental Plans Association.

The easiest way to get credit for your sales

Getting credit for your all your sales can make a big difference in your commission. We’ve made it easier for you to get credit for your clients’ online enrollments, no matter where or when your client chooses to enroll.

The easiest way to get credit

Instead of reminding your clients to input your broker information into a form while signing up, all you need to do is include your unique broker link on your marketing materials. (Using a shortened version of the URL may make it easier to type.)

Your clients can visit your link and you’ll automatically get credit when they complete enrolling. The more places your clients see your link, the more likely you are to get credit.

More ways to get credit

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

Or, 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.

How to find your broker link

To find your broker link, log in to your online account and select the Business Information tab. You’ll find your unique broker link under the Links tab.

If you don’t have your unique broker link or need more guidance, just email producerservices@delta.org or call 866–760‑4080.

For additional information about selling, commissions, appointment and more, check out our broker resources.

Catch up on selling Affordable Care Act plans

It’s open enrollment season for Affordable Care Act-compliant (ACA) dental plans on Health Care Exchanges (Marketplaces). Here’s what you need to know to sell ACA exchange plans to your individual clients.

Dates to know

  • November 1, 2021: Open enrollment begins.
  • December 15, 2021: Last day to enroll in or change plans for coverage that begins on January 1, 2022. (Please note that this date may be subject to extension.)
  • January 1, 2022: Coverage begins for those who enrolled by the December due date and have paid their first premium.
  • January 15, 2022: Last day to enroll in or change plans for 2022 coverage in the following states:
    • Federally Facilitated Marketplace states – AL, AR, DE, FL, GA, IA, IL, KS, LA, MI, MS, MT, OK, OR, TX, UT, VA and WV
    • MD, MN, NV, PA, and WA

After this date, individuals must qualify for a Special Enrollment Period to enroll in a new plan or change their current one.

  • January 30, 2022: Last day to enroll in or change plans for 2022 coverage in the following states:
    • CA, NJ and Washington DC.
  • February 1, 2022: Coverage begins for those who enrolled by the January due date and have paid their first premium.

The American Rescue Plan Act of 2021 expanded ACA access

In March, President Joe Biden signed the American Rescue Plan Act of 2021. Among its other effects, this law will lower premiums this year for most people who currently have a Marketplace health plan and expand access to financial assistance. The Centers for Medicare & Medicaid Services released a factsheet that breaks down the steps required for your clients to make the most of this expanded access.

The basics of exchanged-based dental plans

All plans offered through public exchanges are available in two forms:

  • Health plans that include dental coverage
  • Stand-alone dental plans

Both stand-alone plans and bundled plans are available as high and low plans.

  • High plans. These plans feature higher monthly premiums but lower coinsurance and deductibles. These plans may be appropriate for clients who anticipate needing extensive care over the course of the year.
  • Low plans. These plans have lower monthly premiums but higher coinsurance and deductibles. These plans have lower fixed monthly costs but higher out-of-pocket expenses for dental care. These plans may be better for clients who are in good dental health and anticipate only needing routine cleanings and exams.

Dental insurance is an essential benefit for children, but not adults

For children 18 and younger, dental coverage is considered an essential benefit. That means that dental coverage must be made available by insurers, either in the form of a stand-alone plan or as part of a bundled health plan. Because dental coverage isn’t an essential health benefit for adults, insurers aren’t required to offer it.

Selling Covered California has some unique aspects

As a public exchange, Covered California has much in common with other exchanges. However, there are some differences that are unique to California. One of the biggest is these is extra certification requirements beyond the ACA-mandated training.

As an insurance broker, you’re required to have additional certification to sell Covered California plans. Beyond the regular licensing requirements to sell insurance in California, you must also complete online course, pass an exam and submit various paperwork to receive certification as a Covered California agent.

Here are some other considerations for selling in California:

  • California permanently adopted an extended open enrollment schedule, running from November 1, 2021 through January 31, 2022.
  • California offers both PPO and HMO plans.
  • Children are granted dental benefits under health plans at no extra cost. Additionally, children under 19 can be added to family dental plans to get coverage of services like fillings and crowns.

Selling individual coverage through ACA-funded exchanges presents some unique challenges, but it can be worth the learning curve to reach otherwise underserved markets and receive the 10% premium per member commission. You can also take pride in knowing that you’re helping those without employer-based coverage gain the security that comes from having dental coverage. If you haven’t already, visit the Delta Dental Health Care Exchange page for brokers to get appointed and learn more.

Pair dental and vision coverage with DeltaVision®

Clients love the simplicity that comes from paired plans. Easy-to-manage invoicing and a simpler benefits search make for a more enjoyable shopping and buying experience. DeltaVision® will help you bring vision and dental coverage to your small business clients in a single package.

What is DeltaVision?

DeltaVision is a vision plan offered to SBP clients in partnership with VSP. Whether a small business group has as few as two members or as many as 99, it can add vision coverage with DeltaVision. Please note: DeltaVision plans must be purchased with one of Delta Dental’s SBP dental plans and can’t be purchased separately.

Why is DeltaVision the right choice for my clients?

DeltaVision offers more than just basic vision coverage. In addition to regular check-ups and coverage for frames and lenses, DeltaVision plans feature:

  • An industry-leading network. DeltaVision plans feature VSP’s nationwide network with access to tens of thousands of doctors.
  • Flexible prices. DeltaVision is available at different price points, just like SBP dental plans, so it’s easy to find the right fit for your clients’ budgets.
  • Enhanced savings. Through VSP, DeltaVision members will enjoy extra savings on glasses and sunglasses, routine retinal screenings and laser vision correction procedures.
  • Expanded benefits. Similar to the optional SmileWay® Wellness Benefits available under dental plans, DeltaVision members with diabetes are eligible for the Diabetic Eyecare Plus Program, which includes additional exams and services for diabetic eye disease, glaucoma and age-related macular degeneration.
  • Easy-to-understand choices. The DeltaVision Easy Options plan lets members choose the benefits that suit their needs from a frame allowance or a contact lens allowance. (Easy Options is currently available in Utah and is pending regulation in other states.)

Where is DeltaVision available?

For effective dates in 2022, DeltaVision plans are currently available in AL, CA, DC, DE, FL, GA, LA, MT, NV, PA, UT and WV. DeltaVision plans are available to brokers working with Allied Administrators.

Don’t wait to bring vision coverage to your small business clients. To get started with DeltaVision, contact a sales representative or your general agent today.

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