Benefits administrator blog from Delta Dental

Tag: employee benefits (Page 1 of 2)

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.

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.

 

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

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

Benefit tips for enrollees to pack for vacation

2‑minute read

With summer vacation season heating up, you may worry about the impact this could have on managing your group’s dental benefits. We’ve got good news — with these packing tips you can also relax knowing that Delta Dental benefits have your enrollees covered.

Travel to the dentist first
Dental emergencies are hard enough when your enrollees are home — dealing with one during vacation can be even more unpleasant. That’s why it’s so important to encourage your enrollees to receive dental checkups regularly.

A minor toothache now might seem like it can wait, but what if it becomes excruciating during a once-in-a-lifetime gondola ride on the Grand Canal? Ouch! Taking care of minor oral health issues before traveling can help decrease the chance of costly problems while enrollees are out of town.

Packing tip:  Encourage enrollees to visit the emergency care section on our SmileWay® website to help them prepare for any dental issues that arise when they’re away from home.

 

Map out providers
If an oral health emergency occurs, your enrollees shouldn’t wait until after vacation to seek treatment. From coast to coast, your Delta Dental PPOTM1 enrollees can visit any licensed dentist to receive care without preauthorization.2 DeltaCare® USA1 enrollees are also covered with an out-of-area emergency benefit.3

Packing tips: Enrollees can visit our website to find a network dentist by location or specialty, and even compare Yelp ratings. And for more information on receiving care away from home, enrollees can check out this helpful guide.


Document experiences abroad
Emergency treatment coverage abroad varies by plan type. Encourage enrollees to check their plan details before vacation, and let them know they will need to file their own claim along with a detailed receipt from the treating dentist with the following information to receive reimbursement:

  • Date of service
  • Dentist name and address
  • List of procedures and affected teeth
  • Currency in which to make payment

Packing tip: Share this article with enrollees to give them more details on receiving dental care while outside the U.S.

 

Want more helpful benefits tips like this? Be sure to subscribe to Word of Mouth, our group newsletter.

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

 

 

 

1Delta Dental PPO is underwritten by Delta Dental Insurance Company in AL, DC, FL, GA, LA, MS, MT, NV and UT and by not-for profit dental service companies in these states: CA – Delta Dental of California; PA, MD – Delta Dental of Pennsylvania; NY – Delta Dental of New York, Inc.; DE – Delta Dental of Delaware, Inc.; WV – Delta Dental of West Virginia, Inc. In Texas, Delta Dental Insurance Company provides a Dental Provider Organization (DPO) plan.

DeltaCare USA is underwritten in these states by these entities: AL — Alpha Dental of Alabama, Inc.; CA — Delta Dental of California; DC, DE, FL, GA, LA, MS, MT, WV — Delta Dental Insurance Company; MD, TX — Alpha Dental Programs, Inc.; NV — Alpha Dental of Nevada, Inc.; UT — Alpha Dental of Utah, Inc.; NY — Delta Dental of New York, Inc.; PA — Delta Dental of Pennsylvania. Delta Dental Insurance Company acts as the DeltaCare USA administrator in all these states. These companies are financially responsible for their own products.

2 Applies to covered services; enrollees should consult their contract before receiving treatment. Enrollees’ out-of-pocket costs are likely to be lower if they receive emergency care from a dentist who is in their network.

3 Authorization for treatment may be required. Enrollees should consult their contract for the specific out-of-area provisions for their plan before receiving treatment.

Calling all Delta Dental clients: How well do you know your benefits?

Have you visited our site for benefits administrators (BAs) lately? It’s got everything you need to administer your Delta Dental plan and support your enrollees all in one place. Whether you’re a seasoned BA with Delta Dental, or you’re just getting to know us, you can test your knowledge of the BA site with a fun scavenger hunt.

Here we go!

Visit our benefits administrator site on your desktop or mobile device. You can also type deltadentalins.com/administrators/ into your browser.

Let’s start with something simple to help you get warmed up.

1. Which two types of dental plans do the 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

Warmed up yet? Let’s dig a little deeper.

2. How do your enrollees get a mobile ID card?

You’re doing great — let’s keep going.

3. 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.

Too easy? Here’s a tough one.

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

Last question — you’re in the home stretch.

5. 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)

 

Awesome job – you made it! Be sure to stay tuned for the answers to the scavenger hunt next week.

 

For more news 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.

May the Fourth (of our PPO network) be with you!

On this fourth day of May, we’d like to remind you of the benefits of PPO network utilization — Star Wars style. May the network force be with you (and with your enrollees)!

First, we interviewed Yoda about the benefits of offering a PPO plan. He says, “To offer your enrollees a PPO plan because they have the freedom to choose any dentist, you probably chose. And with a Delta Dental PPOSM plan, offering secondary access with our Delta Dental Premier® network, you are.”

And he’s right — with Delta Dental PPO, more of your enrollees have an opportunity for moderate savings with a Premier dentist. (But they’ll usually save the most if they go PPO, which is why it’s important for enrollees to understand how to use their plan.)

Need some Jedi wisdom on your dental benefits? Here are some answers to common questions and some things for you (and your enrollees) to consider.

Network (and non-network) dentist visits: A battle scenario

Let’s say your enrollees are young Jedis about to battle skilled Sith warriors. In this scenario, the Sith warriors are the out-of-pocket costs of going to the dentist. So, have your enrollees choose a weapon.

  • No weapon means minimal protection — kind of like visiting a non-Delta Dental dentist. Your enrollees aren’t taking advantage of any of the network savings that your carrier is offering.
  • Using a lightsaber is nice, but your enrollees wouldn’t bring a lightsaber to a blaster fight, would they? This is moderate protection — like visiting a Delta Dental Premier dentist.
  • Finally, using a blaster is usually your enrollees’ most reliable form of protection. Like visiting a Delta Dental PPO dentist, they’re getting the most protection against Siths — er, out-of-pocket costs.

“What if my group has a PPO plus Premier plan design?” We thought you might ask. In that scenario, you’re offering your enrollees more protection against balance billing than you would be with a standard PPO plan, but they (and your group’s overall plan costs) will usually benefit most from going PPO.

Dental networks and finding a dentist

A dental plan is only as valuable as its network. That’s why we’re proud to offer expansive, nationwide PPO access. If you think an army of storm troopers is a crowd, you haven’t seen our provider directory.

And your enrollees don’t have to go to Tatooine to find network savings — tell them to log in to our online services and use our Find a Dentist tool to find a PPO dentist near their home, office or any chosen location.

Encouraging PPO utilization 

You should talk with your employees about the benefits of in-network dentist visits, like more potential savings and more convenience with no claims forms.

In Yoda’s words, pass on what you have learned! Consider attaching this instructional flyer to your next group email and encourage them to search only for PPO dentists. And remember — the force is strong with those who go PPO.

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4 ways to celebrate National Nutrition Month

Are your employees eating well? Food and drink choices can have a major impact on dental health. This March, share Delta Dental’s online resources for National Nutrition Month.

Check out these five easy ways you can help your employees make dental-savvy dietary choices:

  1. Download the latest SmileWay® Wellness kit. You’ll find ready-to-use flyers and posters on everything from chocolate to nutrition essentials. The pdfs can be sent by email or posted to your intranet. Or, print them on a color printer.
  2. Email your employees to let them know about National Nutrition Month. The kit includes an email template you can open in Microsoft Outlook, customize to your needs and send with just the click of a button. The email is packed with links to articles, videos and recipes.
  3. Boost your employees’ dental IQ with helpful articles about all things nutrition. The nutritional section of our SmileWay Wellness site has plenty of fresh articles to share.
  4. Find tooth-friendly recipes in our expanded recipe list. These dishes and desserts feature tooth- and gum-supporting ingredients and minimal sugar content.
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