Broker blog from Delta Dental

Category: Group dental coverage (Page 1 of 3)

Track your success with our broker rewards dashboard

If you sell our small business plans, here’s a tool that can help you shine! The small business rewards program dashboard for brokers has everything you need to take full advantage of our broker rewards program.

Retention information

Some of the dashboard’s helpful features include:

  • Your rewards program earnings
  • Your bonus level status
  • Targets that show you how many new sales you need to reach the next bonus level
  • New sales and persistency bonus status summaries
  • Active groups retention counts
  • Total groups year-to-date, including new and existing groups
  • A downloadable report
  • Rewards program eligibility rules and requirements
New sales information

And if you need support, it’s available via email or phone at 866–760-4080.

To take advantage of all the dashboard has to offer, register today. The process is simple. All you need to get started is a few pieces of information:

  • Your name
  • Agency name
  • Email address
  • Social Security or individual taxpayer identification number

After you’ve entered the required information and we’ve located your broker account, we’ll send you a validation email to complete your registration. Note that you may not be able to access the dashboard directly if your agency is the legal entity receiving commissions rather than you.

For questions about the dashboard or the broker rewards program, please contact your Delta Dental sales account executive. Interested in selling to small business? Learn more about our Small Business Program.

Clients rate Delta Dental’s onboarding process outstanding

The Delta Dental onboarding process is smooth sailing, according to new clients. According to the results of a recent survey, most new Delta Dental group clients found their onboarding experience to be exceptional.

Among more than 200 new clients who completed the survey, 98% rated Delta Dental’s Customer Onboarding team as very good or excellent. Also noteworthy is that the Customer Onboarding team didn’t receive a single negative review.

In the survey, clients were asked to rate the service they received from their Onboarding Project Manager based on these criteria:

  • Provided oversight on end-to-end setup to ensure the project stayed on track and overall client satisfaction was met
  • Provided timely response and follow-up to client phone calls and emails
  • Was knowledgeable about the client’s benefit plan
  • Communicated potential problems quickly
  • Provided service that met the client’s expectations

“The survey speaks volumes to the client’s experience during implementation,” said Christina Snyder, Delta Dental’s Director of Client Onboarding. “One of a new client’s biggest fears when moving carriers is the onboarding process and all the headache that can arise. We understand that, and that’s why we’ve been developing our onboarding process for over a decade.”

The Customer Onboarding team acts as the project management expert throughout the onboarding process. Each new client is assigned an Onboarding Project Manager, who leads external and internal teams through requirement sessions, documenting client expectations and managing the timeline and milestones. The Onboarding Project Manager also identifies, communicates and mitigates risks.

Snyder said that the Onboarding Project Manager’s goal is to ensure that timing and accuracy expectations are not only met but exceeded: “They’re the client champion throughout the implementation.”

Each new client is also provided an online client dashboard. The dashboard provides instant access to vital information, including:

  • Real-time timeline and requirements
  • Minutes and action items
  • A contact list
  • Benefits administrator documents
  • Online training sessions and demos
  • A client feedback survey

So remember, for your group clients, a stellar onboarding experience is just one more example of the excellent value and customer service your clients get with a Delta Dental plan.

Your clients can now pair their Delta Dental coverage with VSP vision

Helping your small business clients find the right insurance coverage can be complicated, but Delta Dental is making it simpler. Delta Dental’s Small Business Program (SBP) dental plans and VSP® vision plans are available paired together through the Allied Benefit Suite. It’s never been simpler to offer your clients comprehensive plans from two industry leaders in a single itemized invoice. Here’s a quick look at answers to common questions.

Where are paired plans available?

Vision plans are available in all states that our SBP dental plans are offered and administered by Allied Administrators. Vision coverage is not available on its own. It must be paired with dental. Vision coverage can also be added to existing SBP plans administered by Allied Administrators.

What kind of coverage do these plans offer?

These new vision plansfeature comprehensive coverage on VSP’s nationwide network. They’re available in the same three-level structure as SBP dental plans (Deluxe, Advantage and Core), so you don’t have to worry about learning a new system and explaining it to your clients. These levels allow for flexibility based on your clients’ budgets and needs, including voluntary or employer-paid options, and can be paired with any level of SBP dental plan.

What kind of benefits are included?

Benefits vary by level, but every vision plan includes:

  • Coverage for an annual eye exam and lenses
  • A frame or contact lens allowance (contact lenses are available in place of lenses and frames)
  • Access to VSP’s nationwide network

With VSP vision coverage paired with to their Delta Dental SBP plans, your clients will enjoy simpler billing and more care for their employees, and you’ll get to offer a more attractive package to your clients. If you want to learn more or get a quote, visit our Sales Contact page. It’s easy to see that’s a win-win.

Vision coverage is provided by VSP.

©2021 Vision Service Plan. All rights reserved.

VSP is a registered trademark of Vision Service Plan.

SmileWay Wellness Benefits help your clients’ employees stay healthy

More people are becoming aware of the way that health issues can manifest in the mouth and oral health issues can exacerbate other medical conditions. With serious issues like heart disease being responsible for so many deaths in the U.S., your clients may be interested in learning how good dental health can improve overall health. If your clients’ employees have medical conditions that affect their oral health, SmileWay® Wellness Benefits may be available to help meet their needs.

Who’s eligible for SmileWay Wellness Benefits?

Not everyone is eligible for SmileWay Wellness benefits. To claim these benefits, Delta Dental members must:

  • Have a Delta Dental PPO™ plan
  • Belong to a group that offers SmileWay Wellness Benefits
  • Have chosen to opt in to the program

Additionally, members must have been diagnosed with any of the following to be eligible for expanded coverage:

  • Diabetes
  • Heart disease
  • HIV/AIDS
  • Rheumatoid arthritis
  • Stroke

What are the benefits?

Those whose plans offer SmileWay Wellness Benefits are eligible for these added benefits each calendar or contract year:

  • 100% coverage for one scaling and root planning procedure per quadrant (D4341 or D4342)
  • and 100% coverage for four of the following in any combination:
    • Prophylaxis (D1110 or D1120)
    • Periodontal maintenance procedure (D4910)
    • Scaling in the presence of moderate or severe gingival inflammation (D4346)

If your clients have employees whose medical issues necessitate extra dental care, encourage them to consider adding SmileWay Wellness Benefits to their coverage. These benefits can help keep their employees both smiling and healthy!

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.

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