Benefits administrator blog from Delta Dental

Tag: benefits administration (Page 1 of 6)

The surprising ways a smile keeps hearts pumping

2-minute read

No matter employees’ opinions about Valentine’s Day, the holiday gives you a chance to remind your workforce to take care of their hearts — both physically and emotionally. Promoting oral health is a great place to start. Check out the unexpected ways a healthy smile is linked to a healthy heart.

Physical impact: If the heart was an engine, how would it run?

Heart disease

Stronger evidence linking periodontal disease with heart disease continues to emerge. Although we can’t yet say the relationship between oral health and heart health is causal, new research suggests that even poor dental hygiene, such as infrequent tooth brushing, may be a risk factor for heart disease.

Hypertension

Hypertension can lead to a host of serious health threats, including heart attacks and heart failure. That’s why managing your blood pressure is so important for heart health. A new study found that those with healthy gums were less likely to have hypertension and responded better to hypertension treatment than those with gum disease. Food for thought.

Emotional impact: The mind thinks but the heart feels.

Relationships

It may be common knowledge that relationships — romantic or platonic — can hold an important place in one’s heart. But did you know that by encouraging good oral health among your workforce, you may also be helping to boost your employees’ relationships? It’s true! According to the 2017 Delta Dental Plans Association (DDPA) Adult Oral Health & Well-Being Survey:

  • 74% of people say a smile can make or break a first impression
  • 69% of people say a person’s smile stays top of mind after meeting them
  • 76% of people are more attracted to people who show off their smiles often!

Self-love

Something as simple as a smile can affect everyone around us, including ourselves. In fact, nearly 60% of adults say good oral health makes them feel confident, according to the DDPA survey. Maybe that’s why adults committed to their oral health are more likely to describe themselves as happy and comfortable in their own skin. Adults who prioritize their oral health are also more likely to give their overall well-being an excellent rating.

For Valentine’s Day, and every day, help protect employees’ hearts with healthy smiles.  

With love,

Delta Dental


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How to respect enrollee (data) privacy

2-minute read

According to a recent survey, 90% of people worry about their data privacy, yet most feel powerless to protect it. We don’t want you to feel this way when it comes to your enrollees’ data. While Delta Dental has cyber risk experts and safeguards in place to keep enrollee data secure when we’re handling it — including personally identifiable information (PII) and protected health information (PHI) — you can take some simple steps to keep enrollee data private when it’s in your hands too.

We asked some of our cyber risk specialists for their top tips to help you safeguard private enrollee data.

Keep (and share) only what’s needed
The more private enrollee data you have, the bigger the risk. If the data has already served its purpose and there isn’t an operational or legal need for it, it’s best to destroy it. The same principal applies when sharing sensitive information — send the minimum amount needed to get the job done.

Slow down, and check before you send
Before you transmit any private enrollee data, double check that you’re sending the correct information to the correct recipient. This may sound like common sense, but one of the most common types of privacy incidents is sending sensitive data to the wrong person — electronically or via snail mail. Be sure that you have the most current enrollee addresses, and always update any necessary partners who may also need them (like us!).

Build a strong virtual defense
Password protection is a key player, but it’s just one part of the privacy defense. Using a VPN for remote access, maintaining strong firewalls and conducting regular vulnerability scans are also crucial to data privacy. If you’re sending any sensitive data through email, be sure to do so safely, such as through secure file transfer processes (SFTPs). And don’t forget about that data when it’s not in transit — using encryption for data at rest adds an extra layer of defense. (Pro-tip: Never store private, sensitive data in your email.)  

Empower yourself and your team
Data privacy can seem overwhelming without the right training. Cyber risks are always evolving, like phishing scams that have gotten so advanced, it’s difficult for most people to spot a fake. That’s why it’s so important for anyone who handles PII or PHI to receive regular training to identify threats and keep enrollee private data safe.    

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3 resolutions to simplify your benefits

2-minute read

Waking up earlier, working out regularly, cutting out sugar … sometimes starting our New Year’s resolutions can be a bit, well, painful. Here’s some good news — we’ve got resolutions to make managing your Delta Dental benefits even easier. Check out our top tips to ring in the new benefits year right.

(1) Arm yourself and your team with the right tools. 

Need to make real-time updates to your plan? With Delta Dental’s Eligibility Management Application (EMA) and Online Billing Reconciliation (OBR) tools, you can do exactly that. 1

EMA gives you the power to add or remove enrollees from a plan, update personal information, modify effective dates and more! With OBR, you can make payments and track and reconcile invoices all in the same secure place.

New year tip: Send your account manager a list of everyone on your benefits team who needs administrator access to OBR and EMA this year, so the right people are set up to use the tools from the get-go.

(2) Set the facts straight about ID cards.

Remind enrollees they do not need an ID card to receive dental care. They can simply give the dental office a bit of personal information and they’re all set.

New year tip: We get it — some of us still like physical proof of coverage. If that’s the case, your enrollees can present ID cards from a mobile device by logging in to Online Services or downloading the Delta Dental app (provided by the Delta Dental Plans Association). ID cards can also be printed via Online Services if enrollees prefer (or you can print them for enrollees in EMA).

(3) Share (and reshare) your benefits basics.

While you may be an expert on the dental benefits your group offers, sometimes your enrollees need a reminder.

New year tip: Save yourself time answering common enrollee questions throughout the year by reviewing these topics with enrollees now.

  • Plan type: Be sure enrollees know whether they have a Delta Dental PPOTM or DeltaCare® USA (our copay option) plan. Encourage them to check out their plan Policy to learn how their plan type works.
  • Finding a network dentist: The quickest way to find a dentist is online, using the Find a Dentist tool. Enrollees can find a network provider by plan type, location and specialty. We’ve even added Yelp ratings to help guide enrollees.
  • Annual deductibles and maximums: If your enrollees have Delta Dental PPO, the plan likely includes annual deductibles and maximums. Point enrollees to their plan Policy for the specific details. (Frequently, deductibles are waived for diagnostic and preventive care!)  

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OBR and EMA may be unavailable for some groups, including small business plans, which are managed by a team of service experts at one of our third-party administrators (TPAs). Each TPA offers their own suite of online tools and services.

Check enrollee notices off your year-end to-do list

1-minute read

With the holiday season in full swing, sometimes our daily to-do lists seem never-ending. That’s why we’re helping you cross one thing off your list: Educating new enrollees — and reminding current enrollees — about their rights.

Federal and state laws require groups to notify enrollees about enrollee rights and privacy practices.1 The good news is, we’ve made it easy for you to share this information.

You can learn more about the notices on our administrator web pages. Enrollees can also view and download each notice on our website. Additionally, during open enrollment we provide groups with an enrollee flyer summarizing the notices.

Please share the notices with current enrollees annually and with all new enrollees within 30 days of eligibility.

Not sure how to share? Here are some tips:

  • Post the notices on your company Intranet
  • Email employees a link to the notices
  • Place copies of the notices in common areas, or in the HR area
  • Include copies of the notices in your next company mailing

If you or enrollees have any questions about the notices, you can call 866-530-9675.

Now, take a deep breath and get back to the rest of your to-do list.

For more tips like this for benefits administrators, human resources professionals and businesses, subscribe to Word of Mouth.

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1 Self-funded groups are not required to share Delta Dental’s enrollee notices and may opt to use their own notices; however, these notices cannot be in conflict with Delta Dental’s practices. If you have questions about your notices, please contact your account manager.

4 ways to create a motivating workspace

2-minute read

Earlier this year, we shared how celebrating your employees can boost happiness and productivity. While showing appreciation for your employees is key, it’s not the only way to inspire your workforce. Designing the right work environment — from paint colors to plants — can also help motivate your employees. Check out our tips below to learn how the right office décor can uplift and encourage your team.

1. Don’t fear color. What color are the walls in your workplace? Are you surrounded by neutral tones or bold color? Research suggests that certain colors can affect a person’s productivity. If you want to spark some creativity in the office, try incorporating the color purple. If a laid-back vibe is what you want to evoke, try adding more blue and green to your surroundings. If you don’t want to saturate your entire workplace in color, consider painting a couple rooms to match the energy you’re after.1

2. Bring the outside in. You know how we just said green is a calming color? This is great news if your workplace has a view — nature is full of it! Try arranging your employees’ desks in a way that maximizes their view of the outdoors. What if your windows look out to a concrete jungle? Create your own lush landscape by decorating the office with plants and hanging artwork inspired by nature.

 3. Let there be (sun)light. While we all know too much sunlight can be harmful, sunlight in moderation can have mood-lifting benefits and may even help your employees stay focused.

“Exposure to sunlight is thought to increase the brain’s release of a hormone called serotonin. Serotonin is associated with boosting mood and helping a person feel calm and focused.” – Healthline Media2  

Keep the blinds open to let as much natural light in as possible. If your workplace lacks natural light, resist the urge to crank up the overhead lights, which can be a nightmare for migraine sufferers. Instead, try providing individual desk lamps so your employees can adjust lighting to meet their own preferences.

4. Live your brand. A great way to get your employees excited about your business is to put it right in front of them. Why not display your mission statement on the wall? What about painting accent walls or providing office supplies in your brand colors? By immersing your employees in your brand, you’re helping them become invested in the business, its goals and its success.

 

Want more tips like these? Subscribe to Word of Mouth, our newsletter for benefits administrators, human resources professionals and businesses.

Are you a broker, agent or consultant? Subscribe to Insider Update, our newsletter for benefits producers.

 

1 http://www.arttherapyblog.com/online/color-psychology-psychologica-effects-of-colors/#.W4Qt5cJry01

2 https://www.healthline.com/health/depression/benefits-sunlight

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