Broker blog from Delta Dental

Category: Delta Dental plans and features (Page 1 of 2)

Learn more about the dental plans and features that Delta Dental offers.

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.

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.

5 reasons to sell individual off-exchange plans

Delta Dental’s individual off-exchange plans offer excellent network quality and availability. If you’re not already selling Delta Dental’s off-exchange plans and you’re interested in expanding to individual, family, small or large groups, consider these benefits for both you and your clients.

Why sell individual off-exchange?

  • You might already be appointed. Brokers who are appointed to sell on-exchange plans for the Affordable Care Act can sell off-exchange individual and small business program plans underwritten by the same Delta Dental company and state.
  • Clients can enroll immediately. If you’ve got an individual client who needs coverage soon, off-exchange plans are your answer. With year-round availability, your client likely won’t need to wait for an open enrollment period or a qualifying life event to begin coverage, depending on the plan.
  • You can find options for every client. Fit your client’s plan to their specific needs so they never have too much or too little coverage. Some plans require bundling with medical insurance, but our individual off-exchange plans don’t. For clients on a budget, DeltaCare® USA is a great way to keep coverage. Additionally, our Delta Dental PPO™ plans include coverage for orthodontics, implants and popular treatments like teeth whitening.
  • Individual off-exchange plans include value-added features. All of our plans come with the additional perks of special discount programs on hearing aids from Amplifon, LASIK eye surgery via QualSight and discounts on dental hygiene products through BrushSmart™. What’s more, Delta Dental PPO members enrolled are eligible for Delta Dental’s virtual dentistry programs like Toothpic and Delta Dental – Virtual Consult.
  • The Broker Services team has your back. Have a question about products or resources? The Broker Services team is at your disposal from 8 am to 7 pm, Monday through Friday. Simply call 866–760-4080 or email producerservices@delta.org.

Learn more about off-exchange individual plans

Whether you already sell off-exchange plans or just want to learn more before you get started, we want you to feel equipped with all the tools you need. Our individual broker resources range from plan details in your state to information on how to best utilize your unique broker link and get paid. Additionally, our ongoing webinar series is great for keeping brokers like you up to date on the latest Delta Dental products and news. Subscribe to Insider Update or check that your information is correct in the broker portal to stay in the know and receive updates on webinar schedules.

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!

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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