Benefits administrator blog from Delta Dental

Category: Group dental benefits (Page 1 of 3)

Understand how dental coverage can help your organization. Take a peek at the ins and outs of group dental benefits.

Orthodontics are becoming a more important benefit for employees

Brace yourself — National Orthodontic Health Month is here! When it comes to choosing dental benefits to attract and maintain top-tier talent, orthodontic coverage is essential. Here’s a deeper dive into orthodontic coverage and the value it brings to you and your employees.

More people are interested in braces

Braces do more than give people a pretty smile. By ensuring proper alignment of the teeth, orthodontics can make it easier to bite, chew and speak. Misaligned teeth are also harder to clean and can wear in unusual ways. Minor untreated issues can lead to more serious problems further down the road, and that can mean increased utilization costs for your business. Far from being a luxury, orthodontic treatment can be essential to proper dental health.

When you imagine your average person with braces, you probably picture a teenager whose parents want them to have a beautiful smile. While most of the over 4 million people in the United States who are currently undergoing orthodontic treatment are teens, over 25% of current patients are adults, and these numbers are expected to grow. The number of adults seeing orthodontists is at an all-time high, according to the American Association of Orthodontists, and that means the pool of prospective ortho patients is wider than it’s ever been. Even childless adults may be interested in these benefits, such as the young professionals in the job market.

Employees expect to see dental insurance among their benefits, and orthodontic coverage can help your plans stand out from competitors. Fortunately, Delta Dental plans offer such coverage at affordable price points.

What kind of coverage does Delta Dental offer?

Without insurance, prospective orthodontic patients can expect to pay between $3,000 and 6,000 dollars depending on their age. Delta Dental plans can help cut these costs in half. That’s why Delta Dental’s been recognized as the best overall dental insurance for braces in 2021.

Orthodontic coverage is available under both Delta Dental PPO™ and DeltaCare® USA:

  • Delta Dental PPO plans vary by group and may include orthodontic coverage. You can choose to limit orthodontic coverage to children under 19 or cover orthodontics for both children and adults. Coverage is usually subject to a lifetime orthodontic maximum per person.
  • All DeltaCare USA plans cover orthodontics at set copayments, with no maximums or deductibles.

While specifics vary depending on your plan, coverage usually includes:

  • Pre-orthodontic treatment visits
  • Exam and start-up records
  • X‑rays
  • Orthodontist-recommended tooth extractions
  • Comprehensive orthodontic treatment
  • Post-treatment records
  • Orthodontic takeover for treatment that’s already in progress

Plans generally don’t cover the following:

  • Orthodontic treatment for children delivered in two phases
  • Appliances to correct harmful habits (like thumb-sucking)
  • Jaw surgery to facilitate orthodontic treatment
  • Treatment to prepare for other non-covered surgical procedures

Alternative appliances like Invisalign, mail-order appliances and teleorthodontistry generally aren’t, but Delta Dental usually still covers some of the orthodontic treatment costs, such as x‑rays and exams.

Want to help your employees understand their out-of-pocket costs? For PPO plans, encourage your employees to ask their orthodontist for a pre-treatment estimate. DeltaCare USA members can check their plan booklet for their copayments.

From children to adults, the interest in orthodontics is only growing, especially among adults. You won’t want to miss out on delivering benefits that employees love — and expect. Consider adding orthodontic coverage to your plan — or expanding the orthodontic coverage you currently offer.

With Delta Dental’s plans, your employees can find the orthodontic coverage they’re looking for at a price point they can afford, and that’s a great reason to smile.

Open enrollment: Resources and what’s new

Open enrollment can be difficult for employees to navigate, but they won’t have to go it alone. Flyers, videos and more are available to help your employees understand their coverage options, choose the right plans for their needs and make the most of their benefits.

What’s new

New initiatives and resources available for this year’s open enrollment season.

Virtual booths

If your company has virtual open enrollment software, you can get all the benefits of having an in-person event virtually. With flyers, presentations and more, a virtual booth session is the perfect educational source for employees who can’t make it into the office. (Virtual booth sessions with a live Delta Dental representative require a minimum of 100 attendees.)

Quality ratings for dentists

Choosing the right dentist can be tricky. The new DentaQual rating system provides a simple and objective rating system based on a dentist’s past performance. That makes it easy for employees to find dentists that deliver effective, appropriate and fairly priced service.

Virtual dentistry

Two options are available for employees who are looking for teledentistry tools: Delta Dental – Virtual Consult (PDF) is a video-based app for members to consult with a Delta Dental dentist live, and Toothpic (PDF) is a photo-based app that lets members submit photos of problem areas for professional analysis.

Get check-ups remotely

Callback assist

When your employees contact Delta Dental’s Customer Service, they can now get a convenient callback instead of having to wait on the line.

A redesigned website

In 2020, we rolled out a whole new design for our website and refreshed its content. This new design makes finding answers easier, whether choosing a plan, understanding benefits or just looking for tips on maintaining a healthy smile.

  • Delta Dental members resources. Help members plan visits, know what to expect at the dentist’s office and what to do after they complete their visits. There’s also useful information about value-added benefits, like virtual dentistry and preferred pricing on LASIK and hearing aids, and a wellness library with articles, videos, recipes and more.
  • Delta Dental virtual dentistry. Understand teledentistry and the differences between Virtual Consult and Toothpic.
  • Smile On. If you have employees who may be retiring or ineligible for full-time benefits, Smile On is a great way for them to get affordable coverage that meets their needs.

New video content

These videos provide short and direct explanations of Delta Dental’s plans and features. To share these videos on your website or intranet, just click the videos to navigate to YouTube. Below the video you wish to share, click Share > Embed. Then copy and paste the code into your webpage or intranet site. 

These videos also feature Spanish closed captioning. To turn on Spanish captions, click the settings symbol (the cogwheel icon), then click Subtitles/CC and choose Spanish from the list.

Delta Dental PPO™ network 

All about the Delta Dental PPO network

Delta Dental PPO and Delta Dental Premier® networks

Get to know Delta Dental’s PPO and Premier networks

DeltaCare® USA 

Welcome to your DeltaCare USA plan

Online resources

Your online resources from Delta Dental

Online resources including the Cost Estimator

The Cost Estimator and other tools form Delta Dental

Resources for your employees

Multilingual support

Material in other languages, including Spanish and Chinese, is available on request. Delta Dental members can also get translation and accessibility services through the Language Assistance Program.

Material to share with employees

Check out the open enrollment benefits resources page for flyers that you can download and print to share with employees. These flyers cover:

  • Plan basics
  • Using a Delta Dental plan
  • Understanding dentist networks
  • Accessing online resources
  • Orthodontic coverage (braces)
  • Individual coverage
  • Value-added features

Even if your company hasn’t returned to the office, open enrollment doesn’t need to be a challenge. Online resources make choosing the right plan and making the most of it easier than ever before!

Has COVID-19 changed open enrollment forever?

The COVID-19 pandemic has caused long-lasting changes to our priorities as a society and as individuals. From canceled events, working from home and separation from friends and family, employees and employers have had to adapt. It’s no wonder that the uncertainty of the pandemic has created changes in open enrollment.

Greater focus on the whole family

In the past year and a half, many adults became caregivers for their parents and took on education roles for their children while also working full-time. Employees are looking for benefits that extend to their family members and benefits that make the care of their family easier, like family and medical leave, assisted living coverage and child care coverage. Getting the whole family covered even extends to furry friends; the number of pets insured in North America has increased 23% since 2019.

Mental health services are more important than ever

The stress and difficulty of the pandemic have taken a toll on mental health. The percentage of adults in the U.S. who reported symptoms of anxiety and depression increased from 36% to 42% between August 2020 and February 2021, according to the Centers for Disease Control and Prevention.

Before the pandemic, Americans only chose virtual options for mental health care 20% of the time. After the pandemic started, the American Psychiatric Association saw their own members’ usage of telehealth services jump to 85%.

Employers are responding by offering mental health benefits that include access to online resources and apps that address stress and difficulty sleeping. About 70% of employers planned to start, continue or expand investment in mental health resources in 2021, according to a survey by McKinsey & Company. Employers who invest in mental health coverage get results. Almost 86% of employees who are treated for depression symptoms show substantial improvement in work performance, according to one study.

Employees expect to keep using telehealth options

While virtual visits won’t completely replace in-person visits any time soon, they’re definitely sticking around. Telehealth visits spiked during March 2020, but there were 10 times more telehealth visits in March 2021 than in March 2020, according to a market report.

Employees are using telehealth services and, in many cases, they expect to keep using it. In some cases, patients rated their interactions with their providers higher when they had virtual appointments than in-person.

To appeal to a variety of employee preferences, Delta Dental offers two different kinds of virtual dentistry: video-based and photo-based.

Virtual events preferred over in-person

With many employees still working from home and continually changing safety recommendations, in-person enrollment events are still being pushed online. Luckily, virtual enrollment has advantages for you and your employees. Instead of fielding phone calls and emails all day, you can update your website in real time to address common questions. Your employees can research and select benefits without having to keep track of physical papers or even leave the house.

What do successful virtual open enrollment events look like? A study by Flimp Communications concluded that a high-performing open enrollment campaign includes:

  • Microsites. These websites are customized to fulfill your group’s specific benefits needs with unique visuals, video and copy and can be used to address employees’ frequently asked questions.
  • Video. Both short-form and long-form video have a place in your campaign. A short-form video may simply be a quick, supplemental explainer and a long-form video would be more detailed and available for employees on demand.
  • Links. Linking out to your enrollment portal, to helpful PDFs, contact pages or financial-wellness portals helps employees sign up for and best utilize their benefits.
  • Decision support. Tools that collect all key benefits information into one place and then make recommendations based on algorithms or questionnaires had higher-than-average engagement.
  • Analytics. With real-time analytics, you and your team can adjust to help employees answer questions online. When you know what drives traffic, what people want, and when people want it, you’ll be even better prepared for next time.

The pros and cons of virtual events

Technology has its limits, however. The Pew Research Center found that only 26% of internet users aged 65 years or older felt very confident when using electronics to get things done online. If all your materials are online, make sure they’re easy to find for all employees, regardless of skill with technology. That means clearly labeling links and having logical paths through your website, as well as making sure all materials can be easily downloaded and viewed without special software.

In that same vein, virtual open enrollment gives you the opportunity to make materials accessible to employees with disabilities. Gaps in accessibility can leave individuals with visual, hearing and motor disabilities unable to make informed decisions about their health care.

Open enrollment changes motivated by COVID-19 may be here to stay. Adapt your open enrollment offerings to serve employees’ needs during and beyond the pandemic. Being flexible and responsive helps ensure your employees understand their benefits for the year ahead and are able to get the coverage they need.

You can now pair VSP vision coverage with your Small Business Program plan

Insurance coverage can be complicated, but Delta Dental is making it simpler. You can now get Delta Dental’s Small Business Program (SBP) dental plans and VSP® vision plans together. That means industry-leading vision and dental coverage are now available conveniently paired together with a single itemized invoice.

These new vision plans feature comprehensive coverage on VSP’s nationwide network. They’re available in the same three-level structure as SBP dental plans (Deluxe, Advantage and Core), so you don’t have to worry about learning a new system and explaining it to your employees. Benefits vary by level, but every vision plan includes:

  • Coverage for an annual eye exam and lenses
  • A frame or contact lens allowance (contact lenses are available in place of lenses and frames)
  • Access to VSP’s nationwide network

When you pair VSP vision coverage with a Delta Dental SBP plan administered by Allied Administrators, you make billing simpler for you and getting care simpler for your employees. If you want to learn more or get a quote, visit our Sales Contact page. It’s easy to see that’s a win-win.

Vision coverage is provided by VSP.

©2021 Vision Service Plan. All rights reserved.

VSP is a registered trademark of Vision Service Plan.

How COVID-19 is changing benefits in 2021

The global pandemic has had a profound impact on the way corporations attract, develop and maintain their human capital, and this includes changes to benefits packages. A June 2020 survey by Mercer found that some of the most common benefits changes that companies were considering in response to the pandemic included:

  • Expanding virtual health and telemedicine programs
  • Enhancing mental health support (including employee assistance programs)
  • Adding or expanding voluntary benefits

Have those predictions panned out? The International Foundation of Employee Benefit Plans (IFEBP) conducted a survey of U.S. employers to determine how the way businesses think about offering benefits has changed because of COVID-19. This study has found a move towards telemedicine, mental health benefits, flexibility around leave and greater consideration given to cost-saving measures. 

Fewer in-office visits means more telemedicine coverage

From visiting the dentist to an unexpected trip to the emergency room, in-office visits of all kinds are down from 2019 rates. That doesn’t mean that people are necessarily receiving less care, though. According to the IFEBP survey, nearly nine out of 10 employers reported seeing an increase in the number of telehealth claims filed in 2020. Dental offices are safe to visit, but for employees who are trying to socially distance (or simply have difficulty fitting a trip to the dentist into their schedule), Delta Dental offers multiple virtual dentistry solutions.

Stress and isolation lead to a greater emphasis on mental health benefits

Mental health claims saw a sharp rise in 2020. As employees cope with the stress and isolation that living with the realities of COVID-19 can cause, adding or enhancing access to mental health care is a cost-saving move. The effects of stress, depression and anxiety may not be as visible as with other issues, but they are no less real. They can lead to missed work and physical health issues, and so they’re equally important to cover with mental health benefits or employee assistance programs that offer support to employees.

More flexibility in leave is required as life throws curveballs at everyone

It’s important to be compassionate and flexible when it comes to your employees’ physical and emotional needs. Parents and other caregivers have been hit disproportionately hard by the pandemic and may need additional support as they try to juggle their work and home lives. Emergency leave for child or elder care, flexible use of paid and unpaid leave and offering carryover options for workers who can’t use their current vacation days are becoming more common.

Voluntary plans are becoming more popular to help keep costs low

Finally, consider that it may be in your organization’s best interests to change the kind of benefits offered. Voluntary plans are a great way to ensure that those who want dental coverage can keep it, even if cost-saving measures become necessary. The Smile On program is also available to provide dental coverage to those who are transitioning out of the workforce.

Communication is key

No matter how your benefits may change in response to the pandemic, being transparent and honest with your employees is essential. By alerting employees to benefits changes, you can ensure that they won’t be caught by an unpleasant surprise. Additionally, letting your employees know when new benefits are available and how to make the most of them can help keep them happier and healthier.

Effective discount: Understanding a plan’s true savings

When you consider a PPO dental plan, certainly one of the deciding factors is savings — during a dental visit, how much will this plan save my employees?

Traditionally, a good way to judge this has been to consider the plan’s PPO network discount, or the discount offered on dental services when visiting a dentist within the plan’s PPO network. After factoring in the fees, the greater the discount, the better the plan, right?

Not exactly. While PPO network discount is one chapter of savings, it’s not the whole story. A more accurate way to gauge a plan’s true savings is to consider the plan’s effective discount. The effective discount considers the average savings enrollees receive when visiting any dentist, either in network or out of network.

It’s here where Delta Dental offers a unique advantage: the Delta Dental PPO™ plan with the Delta Dental Premier® network.

With most PPO plans, the PPO network is absolute — you’re in or you’re out. And if you visit an out-of-network dentist, you’re responsible for the full cost of dental services provided by that dentist. The Premier network offers a secondary network that acts as a “safety net” if a PPO enrollee can’t find, or chooses not to visit, a dentist within the PPO network.

While the Premier network provides a smaller discount than the PPO network, the combined size of the two networks — more than 155,000 unique dentists as of 2020 — ensures that most people covered under a PPO plan can visit a Delta Dental dentist and save. This large network enables Delta Dental to deliver a national network utilization rate of 94%, compared to an average PPO utilization of 65% for competitor networks.

And it’s this safety net that often makes a Delta Dental PPO plan a better value than one from another company.

For example, let’s look at a theoretical example in which there are two group PPO plans with identical fees: one from Delta Dental and one from a carrier without a secondary network. In each scenario, 10 people are insured. Five visit PPO dentists and receive a discount, and five visit non-PPO dentists. The Delta Dental plan provides a 35% discount at PPO dentists. The other plan provides a 36% discount at PPO dentists.

Given the otherwise identical scenarios, it might at first seem that the plan with the higher PPO network discount offers the better value. However, in the Delta Dental plan, four people can visit a Premier dentist for a 19% discount. Because only one person visits a non–Delta Dental dentist, the group receives a total effective discount of 25%. Contrast this with the other plan. Because half receive no discount at all, the effective discount is only 18%.

It’s not surprising then that Delta Dental offers groups the best effective discount in the country, averaging 29.4% nationally in 2019, according to a July 2020 study by Dental Actuarial Analytics. This equals more than $8.2B in savings for enrollees annually when compared to dentists’ average charges for services.

So remember when considering a dental plan for employees, savings is more than PPO discounts. When you consider effective discount, you offer a complete story. With an ending your employees should like.

« Older posts

© 2021 Word of Mouth

Theme by Anders NorenUp ↑