Broker blog from Delta Dental

Tag: client benefits

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.


Twice as nice: dual coverage

Are your clients aware of dual coverage and how it works? If not, they could be missing out on substantial savings on their dental care.

Dual coverage (or coordination of benefits), as the name implies, is when a person is covered under two dental plans. This doesn’t mean double coverage, however. Both plans won’t fully cover each approved procedure. In a dual coverage scenario, the primary carrier (or primary plan) will pay a larger portion of the benefits, while the secondary carrier (or secondary plan) pays a smaller amount.

Why would my clients have dual coverage?

There are several scenarios in which a client may have dual coverage:

  • A client and his or her spouse both have employer-sponsored coverage
  • A client has two benefits-eligible jobs

That’s good to know! How do my clients know which is their primary carrier?

Your clients and their dependent children may be eligible for dual coverage. Which insurance carrier is the primary depends on several factors.

For clients, the primary carrier depends on whether the client also has dental coverage through a spouse or domestic partner:

  • If the client does, the primary carrier is the one provided by his or her employer.
  • If the client doesn’t, but currently has two jobs that provide dental coverage, the primary carrier comes from whichever employer has provided coverage for the longest time. If the client has coverage through a current and former employer, the current employer’s plan is primary.

For dependent children, the primary carrier depends on whether the child’s parents are married and live together.

  • If they are (or have joint custody), the primary carrier is through the parent whose birthday falls earlier in the year. (If both parents have the same birthday, the primary carrier is the one that’s provided coverage for the longest time.)
  • If they aren’t and don’t have joint custody, the primary carrier is though the parent who has legal custody of the child.

Is there anything else my clients should know about dual coverage?

Yes. For starters, dual coverage applies only to group plans, not individual plans. Group plans can coordinate benefits only with another group plan.

If one of the plans covering the claim is an individual dental plan, that plan will always pay coverage as primary. Individual plans can’t coordinate benefits with other individual plans, either. In that situation, all plans will pay as primary.

Also, if employees have dual coverage, they must inform their dental office of both plans before they receive treatment. (Failure to do so could be considered insurance fraud!) Once they do, we’ll coordinate the cost sharing with the employee’s other plan.

An important caveat is whether the client’s secondary policy has a non-duplication of benefits clause. While this clause won’t negate their dual coverage, it means the coverage will provide less benefit than standard dual coverage would.

For example, if a client has dual coverage in which the primary carrier covers 50% of a procedure and the secondary carrier covers 80%, then 100% of the cost of the procedure would be covered. However, if the secondary carrier has a non-duplication clause, then only that carrier’s 80% would be covered.

Clients should also be aware that they’re still responsible for amounts that exceed maximums, charges above the allowed amount if using an out of network provider and charges for non-covered services.

Finally, dual coverage involving an HMO-type plan such as DeltaCare® USA can be complicated. Clients can contact Delta Dental Customer Service for details if they have dual coverage involving two HMO-type plans or a PPO and HMO-type plan.

Does Delta Dental have dual coverage resources for my clients?

Yes. Your clients can refer to the dual coverage information available on the Delta Dental member site.

Dual coverage at first may seem confusing, but with some guidance and our resources, your clients can enjoy maximum saving with minimum hassle.


Note: This post was updated to specify that dual coverage applies only to group plans and doesn’t apply to individual plans.

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