One of the best parts about choosing a PPO dental plan for your employees is giving them the freedom to choose any licensed provider for their next visit. And, with Delta Dental, you’re offering secondary access with our Delta Dental Premier® network. With so many choices, it’s important to weigh the options.
Network utilization is a key aspect of your dental plan — because in-network visits could save you money or help stabilize your group’s plan costs over time. Some things to consider:
What does in-network actually mean?
If you currently offer a Delta Dental PPOSM plan, in-network visits always mean visits to PPO dentists. We’d like to say it’s that simple, but sometimes offering twice the freedom results in twice the questions.
What about Premier visits?
The Premier network acts as a safety net for out-of-pocket costs, so enrollees usually save more than they would if they visited a non-Delta Dental dentist. However, the Premier network doesn’t offer the deep discounts that PPO can.
What if I offer a plan with PPO plus Premier or PPO Choice?
If your group offers a PPO plus Premier or PPO Choice plan, enrollees will still save the most when they go PPO. The difference for these plans is how we calculate fees for claims. The plan still offers a safety net for non-PPO claims if enrollees visit a Premier dentist, and you’re offering them more balance billing protection if you choose a fee basis other than the PPO contract allowance for all claims.
How do I encourage PPO utilization?
Talk with your employees about the benefits of in-network dentist visits, like more potential savings and more convenience with no claims forms to fill out. You can also remind them to find a network dentist using enrollee online services. Consider attaching this instructional flyer to your next group email and encourage them to search only for PPO dentists.