When it comes to using their benefits, it’s important for your 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.
Sometimes employees may choose not to use their diagnostic and preventive benefits in an attempt 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. It also helps employees get more care each year without having to raise their annual maximum. Together, means less absenteeism and more savings for you.
What is the D&P Maximum Waiver?
The D&P Maximum Waiver is an optional feature that can be added to your Delta Dental PPO™ group plan. With this option, diagnostic and preventive services won’t count against the annual maximum. 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 my employees and my company?
By ensuring that D&P procedures don’t count against their annual maximums, the D&P Maximum Waiver leaves 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||Employee annual maximum: $1,000||Employee’s plan pays: $350||Employee pays out of pocket: $0||Employee’s remaining annual maximum without D&P waiver:|
|Routine dental exams, cleanings and x‑rays cost: $350||Employee annual maximum: $1,000||Employee’s plan pays: $350||Employee pays out of pocket: $0||Employee’s remaining annual maximum with D&P waiver:|
To help your company’s bottom line, you can promote in-network utilization by setting up your D&P Maximum Waiver to only apply at Delta Dental PPO dentists. Adding the D&P Maximum Waiver option to your coverage also helps you save money by letting your employees’ dollars go farther without having to pay more for a higher annual maximum.
The D&P Maximum Waiver option is a great way to encourage your employees to make the most of their diagnostic and preventive coverage — and for your company to avoid lost productivity from dental issues. Reach out to your Delta Dental Account Manager today to learn more about adding this feature to your plan.