Benefits administrator blog from Delta Dental

Tag: dental benefits (Page 1 of 3)

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.

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.

Stories to smile about: Robert

Dental care with dignity – war veteran gets his smile and his life back. 

Robert Bennett

2‑minute read

What if a healthy smile could restore dignity, improve your quality of life and career outlook? For one very deserving man, that’s exactly what happened when he visited one of the UNLV Delta Dental Saturday Morning Community Clinics. 

After many years of suffering with teeth that caused physical and emotional pain, Vietnam War veteran Robert Bennett finally received the care his smile needed at the Sgt. Clint Ferrin Memorial Clinic, one of four dental clinics that make up the UNLV Delta Dental Saturday Morning Community Clinics. 

This is what Robert had to say to UNLV about his experience at the clinic:

“It’s not only [that I was] happy with the care, it’s the professionalism that goes along with it — it’s the way you’re treated from the time you walk through the door, to the time that you get into the chair. And then the doctors that oversee what [the dental students] do and help, they come up constantly, and they introduce themselves and let you know what you’re going to be going through. 

[They] had to surgically remove almost every tooth in my mouth, or what was left of my teeth. [After receiving treatment and a full set of dentures,] I’m eating and smiling and communicating with people again. It changes your life. I mean it just gives you your dignity back. You are somebody again. And I get to apply again for a job. Look what they did!”

Robert Bennett, Vietnam War veteran

Robert’s story is especially meaningful to us at Delta Dental. Last year, The Delta Dental Community Care Foundation granted $50,000 to support these clinics, which provide much needed dental care to underinsured and uninsured people throughout Southern Nevada.

Successes like this are the reason the Foundation exists — to improve health and enhance lives in the communities we serve. We’re so grateful for partners like the UNLV School of Dental Medicine, who give us opportunities like this one to make a real difference.


To ensure you never miss a story like this, subscribe to Word of Mouth, our newsletter for benefits administrators, human resources professionals and businesses.

Do you have a project that qualifies for funding? Visit the Foundation’s section of our website to learn more and apply for funding.

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 PPO™ 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!) 

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

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

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.

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