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Covered California for Small Business – New Blue Shield Plans
Starting July 1, Covered California for Small Business (CCSB) is offering new Blue Shield plans, providing more options for enrollees. These plans include the Access+ HMO Network with Platinum, Gold, and Silver metal tier options, as well as the Bronze Trio HMO 7000/70. The two most popular Blue Shield High Deductible Health Plans (HDHP), Silver Full PPO Savings 2300/25% and Bronze Full PPO Savings 7000 plans, are also now available.
All of these plans offer benefits such as Wellvolution, Teladoc Mental Health, Nurse Help 24/7, LifeReferrals 24/7, and the Blue Card program for when members are outside of California.
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.
Small Group Two-Year Rate Guarantee
Includes a 3% rate cap in year 3 for 10-99 eligible employee groups. (Most increases fall in the 4.9% to 6.0% range.)
Beam dental and vision plans are available for 2+ enrolled employees.
Beam’s Standard Provisions
Annual open enrollment on all plans.
No waiting periods unless requested.
No missing tooth clause.
Implants are covered on all dental plans.
Posterior composites and porcelain crowns are covered with no downgrades.
Occlusal (night) guards are covered.
Rollover feature offered to match or add as new.
Beam Perks for every member that enrolls with an email address.
Dental Provider Networks
Beam has over 400,000 dental access points nationwide.
Access points are comprised of these dental networks: Dental Benefit Providers (DBP owned by UHC), Careington, DenteMax Plus, Connection Dental, and First Dental Health.
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.
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.
Reminders
As of July 2021, Beam offers dental and vision benefits to employers in Virginia. With this addition, Beam now provides employee benefits in 43 states.
Vision plans are offered in partnership with industry leader VSP® Vision Care.
Beam has over 400,000 dental access points and more than 31,000 vision access points through VSP® Vision Care. Access points are comprised of these dental networks: Dental Benefit Providers (DBP owned by UHC), Careington, DenteMax Plus, Connection Dental, and First Dental Health.
When evaluating employers’ requirements to offer dental coverage (especially for an initial benefit consideration), it’s important to keep in mind Beam’s standard provisions:
Annual open enrollment on all plans.
No waiting periods unless requested.
No missing tooth clause.
Implants are covered.
Occlusal (night) guards covered.
90th, 95th, MAC options for out-of-network.
Composites on posterior teeth covered on all dental plans, porcelain material covered on posterior teeth with no downgrades.
Child ortho at 5+ with five enrolling (standard plans).
Adult ortho at 10+ enrolled, minimum of five with family or dependent coverage.
Start quoting Beam today and take advantage of the bonus!
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:
Faster and easier quotes and claims for brokers, members, and employers.
Smarter pricing driven by machine learning so benefits brokers can get more accurate custom quotes in as little as 30 seconds.
Dental insurance savings and incentives to maintain better wellness overall. Beam’s internet-connected toothbrush program has produced more than 100 million brushing minutes to date, helping employers control their insurance costs and helping members earn rewards.
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.
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.
Plan Details
12-month rate guarantee.
30+ hours per week worked.
Employer-paid 2+ insured lives.
No length of time in business requirement.
Plan Features
Life Insurance Benefits
$50,000 benefit for groups with 2+ employees or $100,000 benefit for groups with 10+ employees.
No health qualification required (guaranteed issue).
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.
Valued by both employers and employees, Beam Dental offers:
All members a complimentary smart toothbrush, toothpaste, dental floss, and the Beam app through Beam Perks.
Easy dental benefits management for employers through the Beam Lighthouse technology platform.
Employer savings of up to 15% at renewal, with member dental hygiene, through SmartPremiums.
A Member Portal to view plan information, print insurance cards, view claims data, and more.
The Beam App for members to view their insurance card, find a dentist, control brush settings, etc.
Quality vision coverage through VSP, with frame allowance options up to $250.
Plan Options
Beam offers a range of plan options designed to fit the needs of every employer, including:
Smart: 100/80/50 plan: Endo-perio-oral is surgery covered under Major.
Plus: 100/80/50. Endo-perio-oral surgery is covered under Basic. Adult/child ortho options come with a $1,500 lifetime max.
Select: 100/90/60/50. Up to $2000 annual maximum. Adult/child ortho options are available with a $2,000 lifetime maximum.
Ultra: 100/100/80/50. Up to a $5,000 annual maximum. Adult/child ortho is available with a $2,000 lifetime maximum. (Available to groups with 10+ enrolled eligible employees.)
Plan Highlights
90th UCR Out-of-Network (OON) standard, upgradeable to 95th UCR.
Dental and vision bundles with VSP.
Large Max and Unlimited Ultra plans available.
No downgrades on composites.
Available for 2+ enrolled eligible employees.
Rate cap or 2-year guarantee available on request.
Child Ortho at 5+ with 5 enrolling (standard plans) or 10+ for custom plans.
Standard Provisions
Annual open enrollment.
No waiting periods unless requested.
No missing tooth clause.
Implants are covered.
Occlusal (night) guards.
90th, 95th, MAC options for OON.
Composites on posterior teeth covered on all dental plans, porcelain material covered on posterior teeth with no downgrades.
Standard 12- month rate lock.
Network
A nationwide industry-leading network with 325,000+ access points, comparable to most major dental carriers.
Participates in the top nationwide networks such as First Dental Health, DenteMax, Stratose, and Plusnetwork.
Provider reports are available upon request.
90th percentile UCR OON standard. 95th percentile UCR OON available as an option.
Delivered every 6 months, enrolled members in every plan receive a Beam Perks kit that includes replacement heads and batteries, toothpaste, and dental floss.
Beam’s smart toothbrushes sync with the Beam Dental App scoring dental hygiene to help lower the group’s pricing at renewal.
SmartPremiums
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.
Start quoting Beam Dental with group term life coverage today and take advantage of the features, benefits, and savings!
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.
Cost
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.
Dental Needs
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.
Plan Limits
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.
Valued by both employers and employees, Beam Dental offers:
All members a complimentary smart toothbrush, toothpaste, dental floss, and the Beam app through Beam Perks.
Easy dental benefits management for employers through the Beam Lighthouse technology platform.
Employer savings of up to 15% at renewal, with member dental hygiene, through SmartPremiums.
A Member Portal to view plan information, print insurance cards, view claims data, and more.
The Beam App for members to view their insurance card, find a dentist, control brush settings, etc.
Quality vision coverage through VSP, with frame allowance options up to $250.
Plan Options
Beam offers a range of plan options designed to fit the needs of every employer, including:
Smart: 100/80/50 plan: Endo-perio-oral is surgery covered under Major.
Plus: 100/80/50. Endo-perio-oral surgery is covered under Basic. Adult/child ortho options come with a $1,500 lifetime max.
Select: 100/90/60/50. Up to $2000 annual maximum. Adult/child ortho options are available with a $2,000 lifetime maximum.
Ultra: 100/100/80/50. Up to a $5,000 annual maximum. Adult/child ortho is available with a $2,000 lifetime maximum. (Available to groups with 10+ enrolled eligible employees.)
Plan Highlights
90th UCR Out-of-Network (OON) standard, upgradeable to 95th UCR.
Dental and vision bundles with VSP.
Large Max and Unlimited Ultra plans available.
No downgrades on composites.
Available for 2+ enrolled eligible employees.
Rate cap or 2-year guarantee available on request.
Child Ortho at 5+ with 5 enrolling (standard plans) or 10+ for custom plans.
Standard Provisions
Annual open enrollment.
No waiting periods unless requested.
No missing tooth clause.
Implants are covered.
Occlusal (night) guards.
90th, 95th, MAC options for OON.
Composites on posterior teeth covered on all dental plans, porcelain material covered on posterior teeth with no downgrades.
Standard 12- month rate lock.
Network
A nationwide industry-leading network with 325,000+ access points, comparable to most major dental carriers.
Participates in the top nationwide networks such as First Dental Health, DenteMax, Stratose, and Plusnetwork.
Provider reports are available upon request.
90th percentile UCR OON standard. 95th percentile UCR OON available as an option.
Delivered every 6 months, enrolled members in every plan receive a Beam Perks kit that includes replacement heads and batteries, toothpaste, and dental floss.
Beam’s smart toothbrushes sync with the Beam Dental App scoring dental hygiene to help lower the group’s pricing at renewal.
SmartPremiums
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.
Start quoting Beam today and take advantage of the features, benefits, and savings!
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.
Start quoting Beam today and take advantage of the features, benefits, and savings!
Valued by both employers and employees, Beam Dental offers:
All members a complimentary smart toothbrush, toothpaste, dental floss, and the Beam app through Beam Perks.
Easy dental benefits management for employers through the Beam Lighthouse technology platform.
Employer savings of up to 15% at renewal, with member dental hygiene, through SmartPremiums.
A Member Portal to view plan information, print insurance cards, view claims data, and more.
The Beam App for members to view their insurance card, find a dentist, control brush settings, etc.
Quality vision coverage through VSP, with frame allowance options up to $250.
Plan Options
Beam offers a range of plan options designed to fit the needs of every employer, including:
Smart: 100/80/50 plan: Endo-perio-oral is surgery covered under Major.
Plus: 100/80/50. Endo-perio-oral surgery is covered under Basic. Adult/child ortho options come with a $1,500 lifetime max.
Select: 100/90/60/50. Up to $2000 annual maximum. Adult/child ortho options are available with a $2,000 lifetime maximum.
Ultra: 100/100/80/50. Up to a $5,000 annual maximum. Adult/child ortho is available with a $2,000 lifetime maximum. (Available to groups with 10+ enrolled eligible employees.)
Plan Highlights
90th UCR Out-of-Network (OON) standard, upgradeable to 95th UCR.
Dental and vision bundles with VSP.
Large Max and Unlimited Ultra plans available.
No downgrades on composites.
Available for 2+ enrolled eligible employees.
Rate cap or 2-year guarantee available on request.
Child Ortho at 5+ with 5 enrolling (standard plans) or 10+ for custom plans.
Standard Provisions
Annual open enrollment.
No waiting periods unless requested.
No missing tooth clause.
Implants are covered.
Occlusal (night) guards.
90th, 95th, MAC options for OON.
Composites on posterior teeth covered on all dental plans, porcelain material covered on posterior teeth with no downgrades.
Standard 12- month rate lock.
Network
A nationwide industry-leading network with 325,000+ access points, comparable to most major dental carriers.
Participates in the top nationwide networks such as First Dental Health, DenteMax, Stratose, and Plusnetwork.
Provider reports are available upon request.
90th percentile UCR OON standard. 95th percentile UCR OON available as an option.
Delivered every 6 months, enrolled members in every plan receive a Beam Perks kit that includes replacement heads and batteries, toothpaste, and dental floss.
Beam’s smart toothbrushes sync with the Beam Dental App scoring dental hygiene to help lower the group’s pricing at renewal.
SmartPremiums
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.
Start quoting Beam today and take advantage of the features, benefits, and savings!
In our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.
