None of your company’s employees are quite the same. Some are young and single, some have partners and families, some are approaching retirement. Some have excellent dental health and some, well, don’t. With so many different situations and stages of life, you might ask yourself if a single dental plan can truly meet all their needs.
Fortunately, you have a choice. More precisely, a dual choice ― Delta Dental’s dual choice. This plan configuration allows you to offer the attractive benefits, large network and substantial discounts of a Delta Dental PPO™ plan while also offering the predictability, affordability and simplicity of a DeltaCare® USA HMO-type plan.
How does it work?
As the name suggests, when an employer offers dual choice, employees have the freedom to select between either a PPO or HMO-type plan. With this flexibility, employees can decide for themselves which plan is the best fit, and can switch from one plan to another during open enrollment if they change their mind.
I’m still not sure my employees really need more than one plan type. What are some other factors to consider?
Here are a few reasons your employees might prefer one plan to the other.
|Delta Dental PPO||DeltaCare USA|
|Availability||Delta Dental’s expansive dentist network combined with the freedom to see any dentist means that employees who select a Delta Dental PPO plan will be able to find a dentist wherever they are, and almost always be able to find one who’s in network.||Employees who chose a DeltaCare USA plan must visit their selected primary care dentist. For employees who live in rural or remote areas, being required to stay in the DeltaCare USA network could make finding an in-network dentist difficult.|
|Choice of dentists||Employees who choose a Delta Dental PPO plan can see any licensed dentist, which might be important to employees who don’t want to switch from a favorite dentist.||DeltaCare USA members must select a primary care dentist from the network.|
|Convenience||A Delta Dental PPO plan allows employees to visit any licensed dentist, regardless of network.||DeltaCare USA members must visit their selected dentist, which means that employees may have to schedule time off and drive a significant distance if their dentist isn’t located close to where they’re working.|
|Cost||For employees who need costly dental work, the substantial network discounts on services a PPO plan offers might make the additional expense worth it.||For employees, DeltaCare USA plans are usually significantly less expensive than Delta Dental PPO plans. Orthodontics is always covered and often cheaper under DeltaCare USA, which is a plus for families with teens or preteens. These plans also have no maximums.|
|Orthodontics||Not all PPO plans cover orthodontics, and all have a lifetime orthodontic maximum.||All DeltaCare USA plans cover orthodontic treatment. Treatment is covered at a set copayment for children and adults, with no deductibles, maximums or lifetime maximums. These plans also have no limits on the number of courses treatment that a member can have. So if an employee who has already had a full course of orthodontic treatment needs another, the plan will cover the second treatment.|
|Pediatric dentistry||Children who are covered under Delta Dental PPO plans can visit any pediatric dentist, and there’s no age limit beyond the cutoff set by the pediatric dentist.||DeltaCare USA members can’t choose a pediatric dentist as a primary care dentist. Under these plans, pediatric dentists are considered specialists who must be referred by their selected dentist, like with any other specialty care. Pediatric care is also covered only up to age 8; after that, the child must visit a DeltaCare USA general dentist.|
|Simplicity||Delta Dental PPO plans have deductibles and annual maximums. Some services may also have lifetime maximums. Out-of-pocket costs may vary depending whether the dentist is in network.||DeltaCare USA plans have no deductibles or maximums. They also provide employees with a list of included procedures and their copayments, so they’ll know exactly what their out-of-pocket costs will be. This makes planning and budgeting treatment easy.|
OK, but will offering a dual choice plan create a lot of paperwork and headaches for me?
Relax ― administration is painless!
For more information about dual choice, contact your account manager. To help your employees learn more about dual choice, here’s a useful flyer you can share and a pair of videos that explain each type of plan. You can also refer employees to this helpful site for more information about their plans.