Benefits administrator blog from Delta Dental

Tag: benefits (Page 1 of 6)

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.

Why dental insurance matters for employees

Open enrollment season is here, and that means it’s time for employees to review their benefits and choose their insurance plans for next year. Most people probably think of medical insurance first, but your employees shouldn’t forget about dental insurance, either.

The value of dental insurance may not be immediately obvious to your employees, but dental insurance is always an important part of any benefits package. Any dental plan that emphasizes diagnostic and preventive care can go a long way towards keeping employees happy and healthy, and additional coverage can make a big difference when major services are required.

Here are three ways you can show them how having dental insurance helps protect employees’ health, happiness and pocketbooks.

1. It keeps employees healthy, and that matters during a pandemic.

People who have dental insurance are more likely to go to the dentist than those without coverage. One of the most valuable benefits of dental insurance is having access to regular diagnostic and preventive care in the form of x‑rays and examinations. In addition to keeping employees’ smiles bright and healthy, these services can also help identify major diseases that have oral symptoms, such as diabetes and kidney disease.

Additionally, poor oral health can have negative effects on overall health. Poor oral health is linked to conditions like heart disease and pneumonia. It’s worth considering that many pre-existing conditions can be risk factors for COVID-19, so staying on top of oral health is especially important for preventing new issues and managing existing ones.

2. It helps keep employees’ morale up, and that means a lot when people are worried about the future.

Americans are feeling pessimistic about the future, according to a recent Pew Research Center survey. It makes sense that more people would feel anxious and concerned when COVID-19 is still making news and the economy remain unsteady: People are worried about their personal and financial well-being.

The sense of safety and security that comes from having insurance can help alleviate some of these fears. Over 90% of employees rate health care benefits as important. According to Milbank Quarterly, employees want insurance “in order to protect against the catastrophic costs of serious illness and to ensure access to medical care” for themselves and their families. The coverage that comes from an employer, especially if it comes at a discounted group rate, can help employees to feel at easy during the fear and uncertainty of our present time.

3. It saves your employees money, and that’s always important.

One of the biggest financial advantages of having dental coverage is that it helps to cover the cost of major dental care. People without insurance tend to experience greater variability in dental costs than those with insurance. Major procedures like root canals and crowns are usually more expensive than simpler ones like cleanings and fillings, but Delta Dental helps to keep out-of-pocket costs down.

Having dental insurance means employees will enjoy increased savings in the form of:

  • Diagnostic and preventive care covered at low or no cost
  • Lower costs for expensive procedures (since the cost is shared by the plan)
  • Discounted fees at in-network dentists

Going to dentists within the Delta Dental network also means that your employees will have safeguards and guarantees in place to ensure that they’re getting both great value and great service. When your employees need major care or have issues with their dentists, a Delta Dental plan can mean the difference between simple predictable costs and unpleasant surprise bills.

This open enrollment season, don’t forget to show your employees how dental insurance is an important part of their benefits package. Help employees make decisions that will let them save money and stay healthy.

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.

How to communicate dental benefits virtually

Communicating with employees in a period of social distancing requires new approaches, and you can manage open enrollment with a solid plan. Since in-person meetings may not be feasible during the COVID-19 pandemic, take advantage of technology to make virtual presentations that are timely and effective.

You can start by planning a virtual benefits fair. This may include medical and dental plan options or you can expand it to a general wellness event. Keeping in mind the value of an in-person session, give your employees handouts or videos that they can view online. The fair can provide information on dental plan coverage and premiums, along with instructions for enrollment for new employees and options for making changes for current enrollees.

Scheduling a video conference meeting with employees is an effective way to connect in real time to explain plan options, answer questions and provide resources. Recording the live session gives employees the opportunity to view information at their convenience.

You can also make recorded sessions or videos available via mobile app so employees can access them on their smartphones.

Throughout open enrollment, you can stay in touch through a blog, FAQ page and opportunities for employees to have online chats with benefits administrators. Rest assured, your benefits plan communications can be effectively delivered virtually, with the added value of safety.

How to respect enrollee (data) privacy

Woman using laptop and looking at her smartphone

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.


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.

« Older posts

© 2021 Word of Mouth

Theme by Anders NorenUp ↑