Benefits administrator blog from Delta Dental

Category: Delta Dental plans and features (Page 1 of 2)

Learn more about the dental plans and features that Delta Dental offers.

Dental implants are coming to DeltaCare USA

A new kind of DeltaCare® USA plan is available to you in 2021. Effective January 1, 2021, DeltaCare USA i‑series plans will be available with comprehensive coverage for dental implants. Once i‑series plan rollouts are complete (there will be nine in total), they will be available in all 50 states and Washington, D.C.

These plans are designed to address the growing demand for more affordable access to dental implants. Coverage for dental implants is a valuable benefit that employees ask for, so offering an i‑series plan makes dental insurance a more compelling choice for more employees. You’ll be able to offer a plan that fits more budgets than ever before but still offers cost savings, more choices in treatment options and coverage for procedures like teeth whitening.

These new plans will expand the coverage available to employees looking for more affordable dental insurance. For more information, please contact your account manager.

When life happens, there’s Smile On

As a benefits administrator, you know that people’s life circumstances can change at the drop of a hat. Most people get their insurance coverage through work, but what happens when they retire, lose their job or take a break from work? That’s when the Smile On program is there for them.

Smile On is a program designed to help employees with group benefits transition to individual plans. With this program, your employees don’t have to worry about losing dental insurance when their employer-offered coverage ends.

Smile On helps your employees stay covered

Retiring, being in between jobs, or being a contractor or part-timer shouldn’t mean going without dental coverage. That’s why Delta Dental offers the Smile On program.

Smile On offers an easy way to connect your employees with existing individual plans. Smile On plans are new coverage and not a continuation of plans your employees may currently have, but they still provide the essential coverage that helps your employees stay healthy and save money on dental costs. They’ll enjoy the peace of mind knowing that what’s important is covered.

Best of all, getting a plan is something that employees can handle all on their own. They just need to visit the Smile On page, get a quote and choose from the plans available in their ZIP code.

Smile On is easy to promote

You won’t be going it alone when you present Smile On to your employees. There’s a flyer you can use help them understand all that the program offers.

Remember, when your employees need coverage the most, Smile On helps you meet their needs.

Tackling orthodontics

With football season just around the corner, it seems fitting to tackle a popular, yet often misunderstood topic — orthodontics. If you’re offering your employees orthodontic coverage, make sure you’re up to speed on your dental benefits game.

If you don’t already offer orthodontic benefits, you might consider coverage at renewal, as it can be an attractive benefit if you’re trying to build or retain your workforce. A recent study shows that 88% of employees take “better health, dental and vision insurance” into consideration when choosing a job.

The Xs and Os

Generally, here’s what our plans cover*:

  • Pre-orthodontic treatment visit
  • Pre- and post-treatment records
  • Extractions for orthodontics
  • Orthodontic treatment
  • Retention

The MVP

Our copay orthodontics game is strong! Compared to typical copay products (similar to DHMOs), DeltaCare® USA is leading the league, with features like:

  • A variety of treatment levels — interceptive orthodontics for children, limited orthodontics for children and adults, and comprehensive orthodontics for children and adults*
  • A unique orthodontic takeover provision that allows enrollees to continue active treatment with their current orthodontist — even if the provider is not in our DeltaCare USA network
  • Extractions for orthodontic treatment that could save enrollees hundreds of dollars out-of-pocket

If you currently offer orthodontic coverage, review the playbooks for Delta Dental PPOTM and DeltaCare USA plans and pass them on to your employees. For specifics, you can review your group contract and enrollees should log in to Online Services (or review their plan booklet) to confirm coverage.

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* Your benefits may differ from the general information provided here. Review your group contract for specific details regarding coverage under your plan.

Big benefits. Big network. DeltaCare USA is kind of a big deal.

3‑minute read

When it comes to dental enrollment, more groups seem to prefer purchasing PPO plans for their enrollees. In fact, our actuarial data shows that within our Delta Dental enterprise, nearly 87% of 2017 commercial group enrollment was in a Delta Dental PPOTM plan. We don’t like to play favorites — all of our plans are designed to keep enrollees happy and healthy. However, we have to brag about our copay plans a little bit.

If you think copay is synonymous with skimpy benefits, we need to set the record straight. Our DeltaCare® USA plans are equipped with plenty of benefits and features to help groups attract top talent and keep enrollees satisfied. Here are a few that we’re particularly proud of:

Coverage as attractive as a healthy smile

Many of our DeltaCare USA plans offer benefits that stand out in the market. Just to name a few, they offer:

  • Teeth whitening
  • No cosmetic exclusions on molars (for resin or porcelain procedures)
  • Extra cleanings and deep cleanings (in addition to twice yearly) at reduced copayments
  • Copayments that include all lab and material fees (noble or high noble metal, porcelain and resin)

And our orthodontic coverage won’t fit in a bulleted list. Our plans1 cover all three types of orthodontics — limited, interceptive and comprehensive. Plus, enrollees in active treatment (banding has occurred) from either a PPO or DHMO group-sponsored plan have the option of keeping their orthodontist and paying only what they owe from their previous plan. This can provide a seamless transition — a true no-loss, no-gain transition as if the enrollee hadn’t switched plans.

Plans that are as easy to use — and easy to understand

Convenience and cost transparency are some of the best features of our copay plans. Each plan includes a full copay schedule that lays out exactly what enrollees can expect to pay at their dental visit.

There are no annual maximums or deductibles to keep track of, and our DeltaCare USA dentists will even coordinate specialty referrals for enrollees. So all they have to worry about is getting the care that they need.

Network access and options that make a difference

DeltaCare USA enrollees are able to select a dentist of their choice from our provider network, which happens to be the nation’s largest with more than 60,0002 locations. With so many dentists to choose from, enrollees can select a different provider for each member of the family. (But seriously, they can. How’s that for freedom of choice?)

And enrollees can select, or change, their DeltaCare USA dentist online or over the phone.

These are just a few things that make our copay product stand out in a crowd. If you currently offer enrollees a Delta Dental copay plan (or even if you’re shopping around), check out our website for all things DeltaCare USA, including a more targeted dentist search feature.

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1 Excluding plan D70

2 Dentist Location (Access Points) Report, Delta Dental Plans Association, December 2017

 

Plan benefits may differ from the general information provided here. Review your group contract for specific details regarding coverage under your plan.

See how your benefits know-how scored: Get the answers to our scavenger hunt

Last week we challenged you to test your knowledge of our benefits administrator website with a fun online scavenger hunt. Although we hope you had some fun, our main goal was to make sure you’re getting the information and tools you need to support your enrollees and manage your dental benefits effectively. Let’s see how you did!

Wait — no cheating! If you haven’t already completed our scavenger hunt, give it a try before reading the answers below.

Q: Which two types of dental plans do the benefits administrator (BA) pages help you manage?

(a) Tri-Delta DentalTM and Copay® USA

(b) Delta Dental PPOTM and DeltaCare® USA

© McDelta® USA and Delta DentalTM Care

(d) DentalCareTM  PPO and SmileWay® USA

A: The correct answer is (b) Delta Dental PPOTM and DeltaCare® USA

From the BA site, you can find detailed information on how Delta Dental PPO and DeltaCare USA work, learn about web features for enrollees and get the answers to the most commonly asked enrollee questions.


Q: How do your enrollees get a mobile ID card?

A: If you got the last question right, you had a good clue on where to find this answer. (Hint: Check the FAQ pages for Delta Dental PPO and DeltaCare USA.)

So here’s the deal — your enrollees don’t actually need an ID card to receive treatment. They can simply give the dentist their name, date of birth and social security number or enrollee ID to verify coverage. But this isn’t a trick question. If enrollees prefer to have a card, they can display mobile ID cards or print them by creating a free Online Services account.

 

Q: Which of the following can you do with our Find a Dentist Tool? (You can pick more than one)

(a) See if a particular dentist is in our networks.

(b) Search for providers by location or specialty.

© Find directions to the center of the earth.

(d) Explore provider Yelp reviews.

A: Your enrollees can do all of the above with our Find a Dentist Tool — except find directions to the center of the earth. Although, you can get maps to providers’ offices.

 

Q: Do your enrollees need to file a claim when they visit a Delta Dental network dentist?

A: The short answer to this is no, not in most cases. Here’s the long answer:

For Delta Dental PPO enrollees, Delta Dental dentists will submit claims for your enrollees. However, if an enrollee chooses to visit a non-Delta Dental dentist, he or she may need to file the claim themselves.

With DeltaCare USA, there are no claims forms for enrollees to complete when they visit their selected dentist for routine care. However, if enrollees receive specialty care from a dentist other than their primary care dentist, or are traveling and need emergency care, they may need to submit a claim.

You can find more claims information and claims resources for enrollees in the manage your plan section of the BA site.

 

Q: Where can you find our online library of enrollee oral health articles, videos, assessments and more? (Bonus points if you know the name of our wellness program)

A: On the SmileWay® site — SmileWay also happens to be the name of our wellness program. If you haven’t already, be sure to check it out, and encourage your enrollees to do the same. The site offers all kinds of helpful information about healthy habits, conditions, treatments and more.

 

Thanks for participating in the scavenger hunt!

For more news and dental insights for benefits administrators, human resources professionals and businesses, subscribe to Word of Mouth.

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You’re covered with dental plans for non-eligible employees

1‑minute read

Did you know 42% of Americans wish they saw their dentist more often? Or that 23% of Americans don’t have dental coverage that could make it easier for them to see their dentist for regular, affordable care?

Even if you offer your employees dental coverage, you could have some employees missing out on the third most requested1 employee benefit. Do you have covered employees slated to retire, and therefore lose coverage? Or employees who aren’t eligible for coverage, like contractors or part-timers?

We know you care about your employees. Happy, healthy employees make for a successful, productive business. So make sure all of your employees are receiving the benefits they want — with individual dental plans from Delta Dental.

If any of your non-covered employees are interested in a dental plan, refer them to our website to shop for plans and get a quote.

Want to get the word out to your employees? You can download flyers for retirees and other non-covered employees to distribute via email or print for the office.

Want more benefits solutions, industry news or HR tips and tricks? Subscribe to Word of Mouth.

If you’re a broker, consultant, or other benefits producer, subscribe to Insider Update.

 

1 LIMRA, 2009

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