Broker blog from Delta Dental

Category: Group dental coverage (Page 1 of 2)

Check out this email campaign to 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 group clients boost 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 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 37% 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? Contact your Account Manager!

Effective discount: Understanding a plan’s true savings

When your group clients consider a PPO dental plan, certainly one of the deciding factors is savings — during a dental visit, how much will this plan save my employees?

Traditionally, a good way to judge this has been to consider the plan’s PPO network discount, or the discount offered on dental services when visiting a dentist within the plan’s PPO network. After factoring in the fees, the greater the discount, the better the plan, right?

Not exactly. While PPO network discount is one chapter of savings, it’s not the whole story. A more accurate way to gauge a plan’s true savings is to consider the plan’s effective discount. The effective discount considers the average savings enrollees receive when visiting any dentist, either in network or out of network.

It’s here where Delta Dental offers a unique advantage: the Delta Dental PPO™ plan with the Delta Dental Premier® network.

With most PPO plans, the PPO network is absolute — you’re in or you’re out. And if you visit an out-of-network dentist, you’re responsible for the full cost of dental services provided by that dentist. The Premier network offers a secondary network that acts as a “safety net” if a PPO enrollee can’t find, or chooses not to visit, a dentist within the PPO network.

While the Premier network provides a smaller discount than the PPO network, the combined size of the two networks — more than 155,000 unique dentists as of 2020 — ensures that most people covered under a PPO plan can visit a Delta Dental dentist and save. This large network enables Delta Dental to deliver a national network utilization rate of 94%, compared to an average PPO utilization of 65% for competitor networks.

And it’s this safety net that often makes a Delta Dental PPO plan a better value than one from another company.

For example, let’s look at a theoretical example in which there are two group PPO plans with identical fees: one from Delta Dental and one from a carrier without a secondary network. In each scenario, 10 people are insured. Five visit PPO dentists and receive a discount, and five visit non-PPO dentists. The Delta Dental plan provides a 35% discount at PPO dentists. The other plan provides a 36% discount at PPO dentists.

Given the otherwise identical scenarios, it might at first seem that the plan with the higher PPO network discount offers the better value. However, in the Delta Dental plan, four people can visit a Premier dentist for a 19% discount. Because only one person visits a non–Delta Dental dentist, the group receives a total effective discount of 25%. Contrast this with the other plan. Because half receive no discount at all, the effective discount is only 18%.

It’s not surprising then that Delta Dental offers groups the best effective discount in the country, averaging 29.4% nationally in 2019, according to a July 2020 study by Dental Actuarial Analytics. This equals more than $8.2B in savings for enrollees annually when compared to dentists’ average charges for services.

So, remember when speaking with your group clients: Savings is more than PPO discounts. When you consider effective discount, you offer a complete story. One with an ending your clients should like.

New videos help explain Delta Dental’s networks and online tools

With a new series of educational videos, it’s easy to help your clients make the most of their plans. Whether your clients offer Delta Dental PPO™, DeltaCare® USA or both, you’ll find useful resources to showcase Delta Dental’s networks and online tools.

Get to know Delta Dental’s online tools

Encourage members to sign up for an online account. This video walks members through the robust online tools Delta Dental offers, including plan details, claim history, personalized cost estimates, the online dentist directory and a wealth of wellness resources.

What if your client’s plan doesn’t include the Cost Estimator? No worries. This shorter version of the same video touches on the same helpful features, minus the personalized cost estimate.

Understand the Delta Dental networks

A PPO plan offers savings, quality assurance and simplicity. This video explains the advantages of this plan and how your clients’ enrollees can find a PPO dentist online.

Want to include the Delta Dental Premier® network to offer a wider selection of dentists? This video introduces both the PPO and Premier networks and explain how to search for both in our dentist directory.

For clients that offer a DeltaCare USA plan, this video covers the basics of this prepaid plan and shows how to select a primary care dentist.

Ensure accessibility

These videos were designed with accessibility in mind. While the vibrant visuals support the narration, all key messages are conveyed in the audio, which can also be accessed through closed captioning.

Share the videos easily

To share these videos on your website or intranet, just click on the videos to navigate to YouTube. Below the video you wish to share, click on Share > Embed. Then copy and paste the code into your webpage or intranet site.

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!

Help check enrollee notices off clients’ year-end to-do list

With the holiday season in full swing, sometimes the daily to-do lists can seem never-ending. That’s why we want to help your clients cross one thing off their list: Educating new enrollees — and reminding current enrollees — about their rights.

Federal and state laws require groups to notify enrollees about enrollee rights and privacy practices.1 The good news is, we’ve made it easy for your clients to share this information.

You can learn more about the notices on our administrator web pages. Enrollees can also view and download each notice on our website. Additionally, during open enrollment we provide groups with an enrollee flyer summarizing the notices.

Remind clients to share the notices with current enrollees annually, and with all new enrollees within 30 days of eligibility.

Here are some ways clients can share:

  • Post the notices on the company Intranet
  • Email employees a link to the notices
  • Place copies of the notices in common areas, or in the HR area
  • Include copies of the notices in your next company mailing

If clients or their enrollees have any questions about the notices, they can call 866–530-9675.

 

For more tips 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.

 

1 Self-funded groups are not required to share Delta Dental’s enrollee notices and may opt to use their own notices; however, these notices cannot be in conflict with Delta Dental’s practices. If clients have questions about the notices, they can contact their account manager.

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