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The Virtual Blue plans give members (small and large groups) the choice of virtual or in-person care. Virtual care includes $0 unlimited visits to primary care, behavioral health and specialty care through a new partnership with AccoladeCare. In-person care is available through the Tandem PPO network in California and via BlueCard when outside of the state.
The two Virtual Blue small group plans available in PRISM are the Virtual Blue Gold Tandem PPO 1500/45 and Virtual Blue Bronze Tandem PPO 7500/75. These can be identified by ‘Virtual Blue’ in the plan name.
When using the PRISM filter options for Narrow or Broad networks, select ‘All’ networks instead of ‘Broad’ only networks to generate plans for Blue Shield’s Virtual Blue, Trio HMO, and Tandem PPO plans.
If you need assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.
Login To PrismWith Beam’s new and improved 2023 Brokerage Bonus Program, there are bigger payouts, opportunities to earn, and expanded eligibility.
Earn up to a 6% bonus (increased from 2.5% in 2022) on collected premiums for new group sales. The more groups you sell, the higher your bonus!
How it works:
Earn up to an additional 2% bonus on group renewals.
How it works:
Learn more about the 2023 Brokerage Bonus Program.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Get The Latest News with Text Messaging!
Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
Beam has announced a two-year rate guarantee on new dental and vision business with 51-499 eligible employees – effective dates from October 1, 2022 to January 1, 2023.
In addition to dental plans with over 400,000 access points nationwide, Beam offers vision, life, disability, accident, and hospital indemnity coverage.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Get The Latest News with Text Messaging!
Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
Beam has added voluntary life, accident, and hospital indemnity products to its benefits portfolio. With the addition of these new products, Beam has rebranded to Beam Benefits.
The new products are available with an August 1, 2022 effective date in CA, IL, OH, and TX.
Beam Benefits will continue to launch additional benefits products and will add critical illness to its portfolio later this year.
Beam Benefits provides brokers with a simpler process from start to finish:
With its intuitive online platform, self-service tools, AI-powered underwriting, and thoughtful coverage for improved overall wellness, Beam Benefits simplifies and modernizes the ancillary benefits industry.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Get The Latest News with Text Messaging!
Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
To give your clients stability, Beam has announced a two-year rate guarantee and rate cap promotion for small and large groups. It applies to all new dental and vision quotes received on or before May 31, 2022.
Download the flyer to learn more.
Download the flyer to learn more.
Beam dental and vision plans are available for 2+ enrolled employees.
Beam’s Standard Provisions
Dental Provider Networks
Vision: VSP® Vision Care Plans & VSP® Choice Network
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Get The Latest News with Text Messaging!
Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
Earn more as you head into the final half of 2021 with Beam’s 2021 broker bonus program.
Earn up to 2.5% on annualized premium for new group sales with effective dates from February to December 2021. Download the Beam Dental 2021 Broker Bonus Program flyer for details.
Questions?
Contact your Claremont Team at 800.696.4543 or info@claremontcompanies.com.
To further modernize dental benefits, Beam Dental recently announced it has raised $80 million in Series E funding from a group of investors, including Nationwide Insurance. The round brings Beam’s total funding to more than $160 million. The capital will be used to expand into new markets, onboard additional employee benefits brokerages, and add product R&D.
Beam’s goal is to simplify the antiquated, paper-laden, $75 billion dental insurance industry for brokers, employers, and members with:
Founded in 2012 by three engineers, Beam has grown to 250 employees and increased its dentist network to 400,000 access points in all 50 states. The company serves employers in 41 states. Its revenue has grown by 600% over the past three years, and it doubled its member base in 2019 and again in 2020.
Alex Frommeyer, Beam’s CEO and co-founder, said the company, as part of the partnership with Nationwide Insurance, already offers life insurance and soon will offer disability insurance. Through another partnership with VSP, it began offering vision insurance a few years ago.
As the only digitally native dental insurance company, Beam leverages technology to promote better overall health for its members and provide more accurate benefit pricing for its employers. Since its inception, Beam has driven innovation in the dental industry and enhanced the digital experience for its members, employers, and brokers.
Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.
Effective July 1, 2020, Beam Dental will be offering group term life and accidental death and dismemberment (AD&D) coverage through Nationwide®.
Nationwide’s group term life policies will be paired with AD&D coverage, which also includes the Employee Assistance Program (EAP) at no additional charge.
Life Insurance Benefits
Accidental Death & Dismemberment (AD&D)
Pays an additional benefit equal to the members’ life insurance benefits for death due to accidental causes. Benefits are also payable in the event of accidental loss of eyesight, limbs, movement of limbs, speech, and hearing.
Premium Waiver Benefit
Members’ life insurance premiums may be waived if they become totally disabled prior to age 60 for more than 9 months, up to age 65.
Accelerated Death Benefit
50% to $50,000 if members are diagnosed with a terminal illness, a portion of the death benefit may be payable during their lifetime.
Download the flyer to learn more.
Beam offers a range of plan options designed to fit the needs of every employer, including:
Every Beam member receives complimentary Beam Perks. The member welcome kit contains a sonic-powered, smart, electronic toothbrush, custom formulated toothpaste, dental floss, and access to the Beam App and Member Portal.
Beam’s SmartPremiums help groups save up to 15% at renewal. When members use the Beam Brush, the group earns a Beam score. The better the group’s Beam score, the lower the group’s premium at renewal.
Premium reduction occurs at renewal (plan year or calendar year) and is based on the group’s aggregate Beam score, prior year claims data analysis, and changes in dentist reimbursement contracts.
Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.
To help employers keep dental benefits pricing down and alleviate the financial burden of oral care, it’s best to plan ahead and make sure your clients understand all the options that best fit their needs. Below are some factors for employers to consider.
Dental plans have service classes that dictate how much insurance covers specific procedures. These classes are diagnostic and preventative (e.g., teeth cleanings and X-rays), basic (e.g., fillings and root canals), major (e.g., crowns and dentures), and orthodontic (e.g., braces). Diagnostic and preventative services are often covered in full, meaning there will be no out-of-pocket costs. Major and orthodontic services are typically the most expensive out-of-pocket procedures.
Premiums and deductibles must also be factored in. Typically, the higher the premium, the higher the level of coverage for basic, major, and orthodontic services. A deductible is what is required to pay for dental services before the benefits provider will pay. If the plan also covers employees’ family members, a family deductible will have to be paid.
What are the employees’ dental needs, as well as those of family members who will be on the plan? Are there children who need braces or play sports that bring a higher risk of mouth injuries? Does anyone have a history of dental issues (e.g., gum disease, tooth sensitivity, cavities) or need major dental work, such as a crown? These circumstances may require a more comprehensive plan with a higher level of coverage for basic, major, and orthodontic services. On the other hand, if good dental health is maintained, a basic plan may be all that is needed.
After a plan(s) is selected, determine if it will fit your client’s budget and the needs of their employees and their families, and examine any limitations in coverage. Dental plans usually have an annual maximum, which is the most amount of money your insurance will pay in a policy or calendar year. While many people don’t go over the limit, it’s important to factor it in if anyone has ongoing dental issues or needs major procedures like dental implants. Also, consider whether current dentists are in-network or out-of-network. In-network providers are typically more cost-effective to visit, but a plan with a strong MAC or UCR can make out-of-network dentist visits more affordable. Additionally, certain procedures, such as teeth whitening, may not be covered.
While choosing a dental benefits plan is important, it doesn’t have to be difficult. By learning more about the options available and asking questions, it’ll be easy to offer your clients the best plan(s) for their needs.
Beam offers a range of plan options designed to fit the needs of every employer, including:
Every Beam member receives complimentary Beam Perks. The member welcome kit contains a sonic-powered, smart, electronic toothbrush, custom formulated toothpaste, dental floss, and access to the Beam App and Member Portal.
Beam’s SmartPremiums help groups save up to 15% at renewal. When members use the Beam Brush, the group earns a Beam score. The better the group’s Beam score, the lower the group’s premium at renewal.
Premium reduction occurs at renewal (plan year or calendar year) and is based on the group’s aggregate Beam score, prior year claims data analysis, and changes in dentist reimbursement contracts.
Questions?
Contact our small group experts at 800.696.4543 or info@claremontcompanies.com.
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As of June 1, 2020, Beam members will have access to the Dental Benefit Providers, Inc. provider panel. As one of the nation’s largest dental networks, they offer dental health maintenance organization (DHMO) plans, preferred provider organization (PPO) plans, point of service (POS) plans, and preventive plans.
Questions?
Contact our small group experts at 800.696.4543 or info@claremontcompanies.com.