When it comes to using their benefits, it’s important for your group clients’ employees to stay on top of their diagnostic and preventive care. By getting regular cleanings and exams, they can catch minor issues while they’re still easily treatable and prevent major issues from developing.
Unfortunately, your clients’ employees may not want to use their diagnostic and preventive benefits because they want to preserve their full annual maximum in case they need major services later in the year. Delta Dental’s D&P Maximum Waiver® option helps prevent this problem. By making it so diagnostic and preventive services don’t contribute to employees’ annual maximums, this feature helps employees make the most of their benefits, stay on top of their oral health and avoid more costly procedures. That means more savings for your clients.
What is the D&P Maximum Waiver?
The D&P Maximum Waiver is an optional feature that can be added to Delta Dental PPO™ group plans. With this option, diagnostic and preventive services won’t count against members’ annual maximums. The D&P Maximum Waiver is available on members’ effective date and is simple to use, with no qualifying events or dollar amounts to track.
Common diagnostic and preventive services include:
How does the D&P Maximum Waiver help groups and members?
The D&P Maximum Waiver option is a great way to help your group clients promote diagnostic and preventive services — and avoid lost productivity from dental issues.
By ensuring that D&P procedures don’t count against their annual maximums, the D&P Maximum Waiver leaves members with more maximum dollars available to cover costly, extensive procedures employees might need, like fillings, gum disease treatment, root canals and crowns.
Here’s an example comparing the annual maximum dollars available for members with and without the D&P Maximum Waiver.
|Routine dental exams, cleanings and x‑rays cost: $350||Member annual maximum: $1,000||Member’s plan pays: $350||Member pays out of pocket: $0||Member’s remaining annual maximum without D&P waiver:|
|Routine dental exams, cleanings and x‑rays cost: $350||Member annual maximum: $1,000||Member’s plan pays: $350||Member pays out of pocket: $0||Member’s remaining annual maximum with D&P waiver:|
If your group clients would like to promote in-network utilization, the D&P Maximum Waiver can be set up to only apply at Delta Dental PPO dentists. Adding the D&P Maximum Waiver option to their coverage also helps your clients save money by letting employees’ dollars go farther without having to pay more for a higher annual maximum.
Reach out to your Delta Dental Account Executive today to learn more about offering this feature.