Broker blog from Delta Dental

Tag: benefits selling (Page 1 of 4)

6 common questions about adult orthodontics

Adult orthodontics has become a popular benefit enhancement in recent years. Adults are opting for orthodontic treatments at higher numbers than ever before, and the number seeking treatment is expected to grow in the next decade.

If you have individual or group clients who are interested in adult orthodontic treatment and coverage, they may have some questions. Here are answers to some of the most common questions about adult orthodontics.

Which Delta Dental plans cover adult orthodontics?

Adult orthodontic coverage is available for both Delta Dental PPO™ and DeltaCare® USA group plans. For individual plans, adult orthodontics is covered under the PPO Premium Plan and DeltaCare USA plans

Why should groups offer coverage for adult orthodontics?

Braces can help to treat problems that weren’t treated when patients were younger. An adult with an overbite or underbite, crooked teeth or a misaligned jaw may benefit from orthodontic treatment. Left untreated, these issues may contribute to serious conditions such as tooth decay, headaches and earaches, chewing issues and gum disease.

Are adult orthodontics more expensive than treatments for kids?

The cost of braces depends on clients’ plans. A pre-treatment estimate can provide clients with a good sense of how much the costs will be before treatment begins. All they need to do is ask their orthodontist’s office to submit a pre-treatment estimate to Delta Dental.

Members can also use the Cost Estimator tool to get a sense of how much their orthodontic treatment will cost.

Can members visit any orthodontist? How can they find an orthodontist?

Delta Dental PPO plan members can see any licensed orthodontist, and they’ll usually save the most when they choose a Delta Dental orthodontist. To find one, they can use the Find a Dentist tool. They just need to search for dentists in the Delta Dental PPO network, then refine their results to include providers with orthodontist as their specialty.

DeltaCare® USA plan members must see their chosen DeltaCare USA dentist for care or get a referral to a specialist for their care to be covered by their plan. If they’ve already begun orthodontic treatment outside of the DeltaCare USA network and have been banded, most plans allow them to continue that treatment with the same coverage and copayments as their previous plan. If banding has not yet taken place, the member must visit a DeltaCare USA orthodontist and pay the copayments listed in their DeltaCare USA plan booklet.

Is Invisalign a covered benefit?

Yes. If a member’s plan includes adult orthodontic coverage, “invisible aligners” like Invisalign are covered as a standard benefit. For plans where alternative appliances aren’t covered, Delta Dental usually covers some of the costs of orthodontic treatment, which can help to reduce members’ overall expenses.

What kind of orthodontic coverage is included in Delta Dental plans?

As with costs, coverage varies, but most Delta Dental plans include:

  • Pre-orthodontic treatment visit
  • Exam and start-up records
  • X‑rays
  • Orthodontist-recommended tooth extractions
  • Comprehensive orthodontic treatment
  • Post-treatment records

Plans usually cover one set of post-treatment retainers. For two-phase orthodontic treatment plans, retainers are usually covered after each phase.

Adult orthodontics aren’t commonplace yet, but they don’t have to be confusing! With these questions answered, your clients will be better able to decide if orthodontic treatment is right for them.

Sell individual plans with resources from Delta Dental

Selling individual plans is different from selling to groups, and helping individual clients navigate all their choices can be challenging. Whether you’re already selling individual plans or just getting started, Delta Dental is here to help you match the perfect plan to every client. Our resources keep you equipped with all the tools you need.

Broker resources

Start with our broker resources page, your one-stop hub for selling individual and family plans. Here you’ll find details on the plans we offer, webinars to keep you up to date with selling tips, information about value-added features and more.

Details on the plans we offer

Know which plans are offered in which states and help clients navigate their options to find the plan that best suits their needs:

  • For clients on a budget, our DHMO-style plan, DeltaCare® USA, is a great way to stay covered with predictable copayments.
  • Our Delta Dental PPO™ plans can help clients who want to keep their current dentist or value flexibility.

Easy-to-use brochures, organized by state, explain all the options available to your clients with each plan, and short videos likewise offer quick and accessible outlines of the PPO and DeltaCare USA plans.

Value-added features

Let your clients know that Delta Dental plans offer great perks. All of our plans come with the additional benefits of special discount programs on hearing aids and LASIK eye surgery from Amplifon and QualSight,  and savings on dental hygiene products through BrushSmart™. What’s more, Delta Dental PPO members are eligible for Delta Dental’s virtual dentistry programs, Toothpic and Delta Dental – Virtual Consult.

Your broker link

Your unique broker link connects your clients to our instant individual quoting and enrollment flow, automatically crediting you for sales when they enroll online. Share it with your clients on brochures, emails, websites and the rest of your marketing materials.

To find your individual plan broker link link, log in to your online account. Select the Business Information tab. You’ll find your link under the Links tab.

Webinars

Find success selling individual plans with this free series of 30-minute webinars. The webinars are available on demand, and topics include:

  • Individual broker resources. Learn about the support and sales resources available to you, where to find answers to benefit questions, how to get appointed, how to navigate the broker portal and more.
  • Plans overview. Learn the details of the plans we offer and get familiar with the plan perks and features that your individual clients are seeking now.
  • Member resources. Take a tour of Delta Dental’s member resources and learn all the best ways to help guide your clients through online purchasing. Learn to navigate the online directory and other support resources for members.

Resources for individual members, language support and more

Navigating benefits can feel especially overwhelming for individual clients, but our member resources keep things clear and simple. You can assure clients they’ll always be able to access information about their plan through our website and easy-to-use member portal.

Individual members simply log in to find:

  • Plan information
  • ID cards
  • Dentist directory to locate in-network dentists by ZIP code, languages spoken, ratings and more

Also on our website, they can find:

  • Information about accessing virtual dentistry
  • Wellness articles, videos, recipes and more

Delta Dental also offers customer support in over 170 languages, including interpretive services and document translation. Customers can also shop for plans, find a dentist and browse our wellness library on the Spanish website

Delta Dental is here for brokers

Still have questions? Our broker services team is here for you:

And of course, don’t forget to keep visiting the Insider Update blog for the latest Delta Dental broker news. Subscribe for email notifications to keep up to date with new posts about the latest industry tips and trends.


Dental and vision, together

Did you know that Delta Dental offers a vision benefit for small businesses? By pairing vision with a dental plan, this package offers small business clients a single invoice with great rates. Here’s what you need to know about DeltaVision, Delta Dental’s vision offering.

Who’s eligible for DeltaVision?

DeltaVision is offered through our Small Business Program (SBP), designed for groups of two to 99 members. DeltaVision plans are available to brokers working with Allied Administrators.

Paired plans are available in the District of Columbia and the following 14 states: Alabama, California, Delaware, Florida, Georgia, Louisiana, Montana, Maryland, Nevada, New York, Pennsylvania, Texas, Utah and West Virginia.

Why get a DeltaVision plan?

DeltaVision plans offer:

  • Great coverage and extensive network access. All DeltaVision plans are offered on VSP’s Choice nationwide network and include access to over 100,000 access points and popular benefits such as exams, lenses and allowances for frames or contact lenses.
  • Extra savings. DeltaVision plans offerextra savings on additional pairs of glasses, sunglasses, routine retinal screenings and laser vision correction.
  • Flexible funding. With a wide range of DeltaVision plans available, your clients can choose the plans that fit their needs and budget.Voluntary and employer-paid options are also available. Our Easy Options plan lets members choose an upgrade for frames, contact lenses, anti-reflective lenses, progressive lenses or photochromic lenses at the time of service with their VSP network doctor.
  • Added wellness benefits. Through the Diabetic Eyecare Plus program, retinal screenings for people with diabetes are available at no cost, as are extra exams and services for those with diabetic eye disease, glaucoma or age-related macular degeneration.

Ready to pair DeltaVision with dental for your small business clients? Contact our Sales team for more information.

Why dental insurance makes financial sense

When explaining the value of a dental plan to group members, you may come up against resistance. People often understand that they need health insurance, but they may not recognize the value of dental insurance. But dental coverage not only helps members protect their teeth. It can also save them money and prevent a mouthful of financial problems.

Let’s crunch the numbers

For about $33 per month — the average premium for a member covered under an employer-sponsored Delta Dental PPO™ plan — group members can receive coverage for a variety of dental services. That’s the cost of two sugar-filled lattes every week. And what will that cover?

New patients typically need dental exams, cleanings and x‑rays. Uninsured patients might pay an average of $95 for an exam, $172 for a set of four bitewing x‑rays and $102 for a professional cleaning.

If you add up the numbers, that’s $369 for one visit — almost an entire year’s worth of premiums. Considering they’ll usually need two cleanings per year, the costs could potentially add up to $566 for an uninsured person.

But under most Delta Dental PPO plans, diagnostic and preventive services are covered at 100%. That means that even with premiums, patients will be paying 30% less than they would out of pocket.

These costs are illustrative, and plan coverage varies.

Serious dental procedures add up

The value of dental insurance, however, goes beyond diagnostic and preventive care.

Filling a cavity can cost an uninsured patient anywhere from $243 to $296, depending on how many surfaces need to be filled. That same procedure for an insured patient may cost about $30, based on Delta Dental PPO nationwide averages. That’s $266 in savings for each filling.

A root canal and a crown for an uninsured patient may cost about $2,644. But for Delta Dental PPO members, out-of-pocket costs average $564 — which means $2,080 in savings.

And Delta Dental members enjoy additional savings. In-network dentists can’t charge members above preapproved, discounted rates. For uninsured patients, there are no limits to what dentists can charge them.

Dental insurance equals healthier teeth

Adults with dental coverage are almost a third more likely to go to the dentist as those without coverage, according to a 2020 report released by Delta Dental Plans Association. How does this affect group members’ pocketbooks?

Untreated dental care can be costly. More than a quarter of all Americans have untreated tooth decay, according to the Centers for Disease Control and Prevention. Almost half of all people over 30 years old have signs of gum disease. The less likely members are to visit a dentist, the more likely they are to have costly problems that will eventually need to be treated.

Remember these stats when you’re talking about dental insurance with your group clients. It’s not just about peace of mind. It really makes financial sense to get coverage, and it may even encourage members to go to the dentist and keep their teeth and gums healthy.

3 reasons customers are seeking dental insurance now

The pandemic has changed how we work, how we interact and even how we think about our health and safety. As consumer attitudes toward oral health have changed, dental insurance has become more important than ever. Here are some of the reasons that employers and individuals alike are seeking out dental benefits in 2022 and how you can help meet the new demand.

1. Competitive benefits help employers combat the Great Resignation

The pandemic has triggered an exodus from the workforce that economists have labeled the “Great Resignation.” One of the top reasons employees are giving for leaving a position is lack of adequate benefits. 

As the pandemic reshapes the labor market, companies must rethink and retool their benefit offerings to attract and retain talent. About 37% of employees in a recent survey said they value stronger benefits over additional salaries or bonuses, and they consistently rank dental insurance as one of the most important benefits in making a job decision.

Employers who offer dental insurance want a plan that stands out. With Delta Dental, you can help your group clients create plans with the attractive added benefits that employees are seeking now, like maximum waivers for diagnostic and preventive services and coverage for popular but costly services like implants and orthodontics.

2. Dental health needs have grown

The pandemic has also had a direct effect on oral health, creating another reminder of the value of dental insurance. A 2021 survey conducted by the American Dental Association showed a major increase, up to 71%, in stress-related oral health conditions during the pandemic, and more than a quarter of the dentists surveyed reported an increase in cavities and gum disease, as well.

Even in the midst of the pandemic, those with insurance remained more likely to visit the dentist than those without, thereby increasing the likelihood for positive health outcomes when faced with these new challenges.

Companies are seeking to bulk up their benefits to attract and retain employees, and workers are likewise seeking strong dental packages to handle the health issues arising due to the pandemic. Match clients with the dental coverage they’re looking for with Delta Dental PPO™ and DeltaCare® USA plans, which can meet these new demands and reduce the chances for serious (and expensive) health issues down the line.

3. Patients value teledentistry as an option

Fear of returning to the dentist caused teledentistry to boom during the pandemic, with more patients using the technology than ever before. For instance, Delta Dental’s synchronous and asynchronous teledentistry claims in 2021 were six times and two times higher than 2019 levels, respectively.

Many consumers grew accustomed to using teledentistry during the pandemic, and they want to have it as an option moving forward for its safety and convenience. Satisfaction levels with teledentistry services during the COVID-19 pandemic were 100% in the satisfied and very satisfied categories, according to one recent study, and 96% of participating patients in another study said they would use the service again.

When your clients are covered under a Delta Dental PPO or Delta Dental Premier plan, they have two options for free-to-access, easy-to-use teledentistry platforms:

  • Virtual Consult. Offers patients a consultation with a Delta Dental dentist about dental issues over live video.
  • Toothpic. Offers patients a format to submit photos to receive personalized treatment recommendations from a Delta Dental dentist within 24 hours.

And with Delta Dental, members can still see a dentist in person after choosing a virtual dentistry appointment.

Reminding clients of the convenience, popularity and safety of teledentistry can help make a comprehensive dental insurance package that much more attractive. Delta Dental plans give you access to the technology that your clients want now.

Your clients need dental benefits in a post-pandemic world

The pandemic has changed some of Americans’ central attitudes toward dental benefits. Employers are looking to add or increase benefits, and individuals have started to realize the long-term advantages of maintaining their oral health through robust coverage.

With Delta Dental, you can help your clients find affordable, highly rated coverage and a large network of experienced providers. Check out Delta Dental’s wealth of sales resources, and be sure to talk to your group and individual clients about the importance of dental insurance to help them select a Delta Dental plan that can support their overall needs.

Upcoming webinars for individual plan brokers

Selling to individual clients can be trickier than selling to groups, but you don’t have to go it alone. Over the next few months, you’ll be able to attend a series of webinars that will cover topics that will help you excel.

Plans overview: February 22, 2022, 10 am PT / 1 pm ET

What’s the difference between Delta Dental PPO™ and DeltaCare® USA? How can you explain these plans to first-time insurance buyers? In this webinar, you’ll learn the following:

  • Details about Delta Dental’s individual plans
  • Plan perks and features
  • Resources and support available for you and your clients

Register for plans overview webinar

Member resources: Coming in March

From online accounts to the value-added features that come with Delta Dental plans, this webinar will show you the resources available to Delta Dental members and how your clients can make the most of them.

Marketing yourself: Coming in April

Succeeding as a broker requires putting yourself out there, but you also need to make sure you’re getting the credit you deserve for your hard work. This webinar has tips and tricks on how to market yourself and advice on how to use your unique broker link to maximize your commissions.

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