PRISM Login

To access the carrier product and rate information provided by PRISM, check the box below indicating you have read and agree to the license agreement. A button will then appear to access PRISM.

This site uses cookies to track your agreement option. If the terms of the license agreement change or if you clear the cookies from your browser, this page will appear once again during the PRISM login process.

Delta Dental Quoting

Employer contribution entered in Dental Contribution under Group Information affects the Delta Dental plans and rates returned. Please be aware that Delta Dental will require groups with 100% employer contribution to have 100% participation.

If you need assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.

Login To Prism

Delta Dental

Archive for the ‘Delta Dental’ Category

Delta Dental Broker Rewards Program for Small Groups

Posted by

To earn additional compensation for selling and retaining eligible groups of 2-99 lives, enroll in Delta Dental’s Broker Rewards Program for small groups at ddsbrewards.com. This rewards program is for brokers who sell Delta Dental’s small group plans, including plans from their new Small Business Program portfolio – effective dates from January 1, 2022 to December 1, 2022.

How It Works

Retention Sales Bonus

Retain at least 92% of your book of business through 2022 and earn a bonus on your existing business and qualify for new sales rewards. The more you retain, the more you earn.

New Sales Bonus

Once you’ve met your retention goal, there are three levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received for effective dates in 2022. As you sell more and retain your existing business with Delta Dental, your rewards grow. And this rewards program is in addition to your existing standard small business commission.

Sign up for the rewards program and access the small business broker rewards dashboard to easily track your reward earnings. To learn more, download the flyer.

Delta Dental Broker Rewards Program

Start quoting Delta Dental small group plans today!

 

Questions?
Contact your 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.

Sign Up for Text Messaging

 

Delta Dental – Affordable Dental Benefits for Small Businesses

Posted by

With the annual inflation rate at 8.6% for the 12 months ending May 2022, businesses of every size are feeling squeezed. Thankfully, Delta Dental’s Small Business Program (SBP) plans make it easy for your clients to help protect employees’ smiles and save money.

The Delta Dental Small Business Program

For groups with two to 99 employees, the SBP offers a wide variety of plans and options, all with comprehensive coverage and easy access to quality care at competitive rates. These plans are designed to be flexible so that your clients can choose the options that make the most sense for their business and budget.

Coverage Options

SBP dental plans feature a three-tier structure (Deluxe, Advantage, and Core) to meet your clients’ needs regardless of budget. Delta Dental PPO™ and DeltaCare® USA plans are available at each tier. And employers can stretch their dollars even further while increasing employee satisfaction with Dual Choice and Core/Buy-Up plans.

If your clients are looking for more, they can pair their Delta Dental plan with a DeltaVision plan (only plans administered by Allied Administrators are eligible for DeltaVision pairings). There are also options with Delta Dental PPO plans for voluntary benefits, where employees pay anywhere from 50% to all of the premiums.

Delta Dental PPO

With Delta Dental’s PPO plans, enrollees get the most choice. They can visit any dentist, but they’ll save the most with a PPO network dentist. Your groups can choose from a range of plan designs with different coinsurance levels and available options to fit their needs. PPO plans offer industry-leading network savings for enrollees backed by the nation’s largest dentist network.

DeltaCare USA

The copay HMO-type plans offer comprehensive coverage including orthodontics, teeth whitening, and more, but with a lower monthly price. These plans have set all-inclusive co-payments, no waiting period, no annual deductibles and no maximums for covered benefits. Enrollees have no surprise out-of-pocket costs or unexpected fees when they visit their selected primary care network dentist.

Dual Choice and Core/Buy-Up Plans

Delta Dental offers several choices to help both employers and employees manage their costs and control their expenses while increasing employee satisfaction. Each plan allows your clients to offer their employees a choice of two plan designs. Your clients can choose the plan design that best suits their needs and decide their level of contribution. Their employees can choose the plan that best meets their family’s dental needs. Groups can offer side-by-side:

  • Dual choice: Build your own plan. Choose any one PPO plan and any one DeltaCare USA plan.
  • Dual choice 2: Matching premiums. Offer two same-priced plans with differing coverage, so employees can decide what works best for them; a PPO plan with higher coverage or a PPO Plus Premier plan with greater dentist choice.
  • Dual choice 3: Differing premiums. Offer both a high and a low PPO plan with different prices and coverage amounts, so employees can decide what works best for them: more coverage at a higher price or less coverage for a lower price.
  • Core/Buy-Up. Your clients have a way to control costs with a set contribution, while still giving their employees the option to purchase more coverage.

Download the Delta Dental Small Business Program brochure for details. And explore Delta Dental’s SBP plan comparison.

Why employers should offer dental coverage when budgets are tight:

  • Dental benefits can help your clients save money over the long run.
  • Providing dental coverage can improve employees’ overall wellness. Poor oral health has been linked to severe health conditions such as diabetes, heart disease, and certain cancers.
  • Employees without coverage may avoid going to the dentist or delay care because of the cost, which can result in more severe dental issues, costly care, and more time off work. In contrast, employees with dental coverage are more likely to visit the dentist and maintain a higher level of health and wellness.
  • More than $45 billion in productivity is lost each year due to dental issues, according to the Centers for Disease Control and Prevention.
  • 88% of employees say that they consider health, dental, and vision benefits when they choose a job.

With Delta Dental’s SBP plans, your clients can help their employees stay healthy — and save money!

Contact us today for a Delta Dental quote.

Get a Quote

 

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.

Sign Up for Text Messaging

 

 

Delta Dental – Sealants: Simple Procedure, Big Value

Posted by

A commonly requested dental benefit by employees with children, sealant coverage is crucial to starting young people early on the right path for a lifetime of oral health. Parents naturally seek out the best for their kids, so a simple benefit like sealants that can help protect children’s teeth adds value to an insurance plan. Below is an explanation of sealants and the types of coverage Delta Dental offers groups and individuals.

What are sealants?

Dental sealants are a thin protective coating (clear, white or slightly tinted) made from plastic or other dental materials. The dentist, dental hygienist or other qualified dental professional brushes them in liquid form onto molars and premolars covering the enamel and sealing the small spaces between teeth. Special care is taken to cover the deep grooves and pits on the chewing surfaces that trap food particles that brushing and flossing can’t remove. After the sealant has been applied (painted on), it is then hardened for a few moments with a curing light. It’s a fast, painless procedure that requires no numbing or drilling.

What are the benefits of sealants?

Sealants form a protective barrier or shield against bacterial plaque that causes decay – like a raincoat for your teeth. Once applied, sealants protect against 80% of cavities for two years and continue to protect against 50% of cavities for up to four years, therefore preventing the risk of tooth loss and possible bite issues for other teeth brought on by cavities.

Sealants can help protect teeth from decay for up to 10 years. However, they need to be checked for chipping or wearing at regular dental check-ups and reapplied as needed.

Who can get sealants?

Anyone with healthy teeth can get sealants – including adults without decay or fillings in their molars. But children should receive them as soon as their molars and premolars come in around the age of six, and then again as additional, permanent molars come in around age 12. Protecting them early will keep them healthy between the cavity-prone years of 6-14. Molars and premolars are particularly susceptible to tooth decay. According to the CDC, children without sealants have almost 3 times as many cavities than children with sealants. Sealing these teeth as soon as they come through can keep them cavity-free from the start, which helps save time and money in the long run.

Why sealant coverage is an important benefit.

Sealants aren’t just an effective weapon against bacteria and acids; they’re also cost-effective in the fight against cavities. Sealants can spare families the hassle, discomfort and expense of cavities, and unlike most cavity treatments, sealant application is a simple, one-time, and painless procedure.

First introduced in the 1960s, the prevalence of sealants has increased overall in children ages six to 11, from 31% during 1999–2004 to 42% during 2011–2016. Knowing about and having access to sealants through dental coverage can provide parents and their kids with a health advantage that pays off for a lifetime.

Delta Dental sealant coverage for groups and individuals.

Considered preventive services, most Delta Dental plans cover dental sealants, so members can often get all their kids’ protective sealants at little or no out-of-pocket cost.

  • Sealants are a standard benefit in group Delta Dental PPO™ plans. An age limitation typically applies.
  • All standard DeltaCare® USA plans cover sealants.
  • For individual plans, both Delta Dental PPO and DeltaCare USA include sealant coverage:
    • The Basic Plan and Premium Plan cover sealants at 100% after members reach their deductible.
    • DeltaCare USA individual plans cover sealants with a low copayment.

Plans that include sealants generally limit the benefit to permanent first and second molars subject to age limitations by contract. Under some Delta Dental PPO plans, there is a maximum allowance payable per tooth, and the patient is responsible for the remainder of the allowed fee. Benefits for sealants include repair or replacement within 24 months by the same dentist or dental office.

With the growing demand for sealants and the competitive job market, offering affordable, highly rated sealant coverage can give your clients the competitive edge to attract and retain top talent.

Contact us today for a Delta Dental quote that includes sealant coverage.

Get a Quote

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.

Sign Up for Text Messaging

 

 

Delta Dental – The Rise of Dental Implants

Posted by

People lose teeth for many reasons and it’s a common problem. It can happen as a result of an accident, gum disease or other oral health problems. In fact, 69% of adults ages 35 to 44 have lost at least one permanent tooth, and by age 74 more than a quarter of adults have lost all their permanent teeth. When a tooth is lost, simple tasks like eating and talking are affected, in addition to the impact on self-image. Until recently, there have not been many good options.

Dental Implants Are a Popular Option For Tooth Replacement

Unlike dentures that can be costly, uncomfortable and inconvenient, and become stained, chipped, or broken when worn for many years, dental implants can be less expensive in the long-run because of their permanent nature. In addition to being more more attractive, once implanted, they are treated like natural teeth – which means only regular maintenance is required. 

What is a Dental Implant?
Made from high-grade, durable titanium, a dental implant is a cylinder-shaped post that is surgically inserted into the jawbone. Over a period of usually three to six months, the implant will fuse with the bone structure. After this is done and the gum tissue heals, a titanium abutment can be added to anchor a porcelain restoration to the implant.

Dental Implant Advantages

About 3 million people in the U.S. have dental implants, and another 500,000 implants are placed each year, according to the American Academy of Implant Dentistry. With the aging U.S. population (by 2030, people aged 65 and older will outnumber those aged 18 and under) and tooth loss more prevalent in older populations, demand for implants is rising.

With an increasing number of dentists performing dental implant procedures and the growth of group practices and dental service organizations, implant costs are expected to go down while their popularity goes up. As a result, the US market for implants is expected to grow to exceed $1.5 billion in 2027.

Delta Dental Implant Coverage

Initial implant costs can range from $3,000 to $5,000 each. To address the growing demand for dental implants and help mitigate the costs, Dental Dental offers affordable and highly rated implant coverage for both groups and individuals:

Delta Dental implant coverage was named Best Overall Dental Insurance for Implants for 2022 by Investopedia.

Benefits Typically Include
Implants, abutments, implant crowns, retainers (either abutment-supported or implant-supported), removal of implant, maintenance procedures, recement and repairs. Parts of an implant may be covered under prosthodontic coverage, such as the crown, bridge or denture supported by the dental implant itself. Some plans may include waiting periods, maximums and deductibles for implants, and not all plans cover pre-existing conditions such as missing teeth.

With the growing demand for implants and the competitive job market, offering dental implant coverage can give your clients the edge to attract and retain top talent.

Contact us today for a Delta Dental quote.

 

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.

Sign Up for Text Messaging

 

 

DeltaVision – New VSP Plans with Lower Rates from Delta Dental

Posted by

Available January 2022, DeltaVision is a new partnership between Delta Dental and VSP providing quality eye care with new lower rates and access to VSP’s nationwide network of providers. DeltaVision is underwritten by Delta Dental and administered by Allied Administrators.

Vision benefits are increasingly valued by employees. Your employer clients and prospects will want to understand all the vision benefits options available to them. Learn more about DeltaVision.

DeltaVision Flyer

Contact Claremont for DeltaVision plan summaries, rate sheets and quotes.

 

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.

Sign Up for Text Messaging

 

Delta Dental 4% Two-Year Rate Reduction

Posted by

Delta Dental has announced a 4% rate reduction for all new and existing Small Business Program clients. Best of all, the rate reduction will be effective for two years starting in 2022. Existing Small Business Program groups will receive the rate reduction with their scheduled 2022 renewal or upon their 2022 anniversary date. What’s more, rate reductions have also been made to Delta Dental’s voluntary plans.

The Delta Dental Small Business Program offers a wide variety of affordable plans and options, all with comprehensive coverage, easy access to quality care, top-notch customer service, and savings from the nation’s largest network of dentists.

With benefits your clients can trust, cost savings and predictable rates that a small business budget can count on, your clients will be healthy and happy – making it easier to manage renewals and grow your business.

Recommending plan options with the Delta Dental Small Business Program product portfolio structure is simple. No matter what level of plan your groups choose, all plans offer comprehensive coverage, benefits stability at competitive rates, and the 4% rate reduction for two years.

Include Delta Dental small business plans in your next dental quote and help your groups benefit from the 4% rate reduction.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

 

Delta Dental Small Business Program

Posted by

Designed especially for small business owners, Delta Dental’s new easy-to-sell and easy-to-understand Small Business Program offers a wide variety of plans and options, all with comprehensive coverage, quality care, and savings. For a quick overview, check out this video.

Delta Dental Small Business Program

Small Business Program

Three Plan Levels

All PPO plans include:

A new lower-cost DeltaCare USA plan (17B) has also been added.

Plus, employers can manage costs by offering a new dual choice plan and Core buy-up option:

PPO-Eligible Enrollee Contribution and Participation

To learn more, download the Delta Dental Small Business Program and Reasons to Sell Dental Dental brochures.

Delta Dental Small Business Program Brochure

Reasons to Sell Delta Dental

Include Delta Dental PPO and DHMO plans in your next dental quote and help your groups benefit from the small business program.

Questions?
Contact your Claremont 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.

Sign Up for Text Messaging

 

Broker Bonus Programs

Posted by

Earn more in 2021 by leveraging the broker bonus programs below.

Space

Blue Shield of CA

Small Business Incentive Program

Earn points for every sale that qualifies for Blue Shield’s new Small Business Incentive Program (June 2021 to January 2022 effective dates) and other broker bonus programs. Then redeem your points for rewards from hundreds of great options, such as gift cards, electronics, products for your home, and more. Or convert your points to cash with a Visa gift card. Best of all, there are no complicated tiers or calculations required!

You Can Earn

With the Producer Rewards points-based bonus program, each point is equal to one dollar. Plus it’s easy to keep track of your point status and what you’ve earned.

Learn more about the Small Business Incentive Program and Producer Rewards Program. Enroll in the Blue Shield Producer Rewards Program today.

Groups written through Claremont are eligible for this program.


Space

California Broker Mega Bonus Program

Earn a $5,000 bonus for groups with 25-100 enrolled employees. Effective dates from July 1, 2021 to September 15, 2021 are eligible. Expires September 15, 2021. Download the Cigna + Oscar Mega Bonus Program flyer.

2021 Broker Bonus Program

Earn a $350 bonus for every Cigna + Oscar group with four or more enrolled employees. Effective dates from April 1, 2021 to December 15, 2021 are eligible. Expires December 15, 2021. Download the Cigna + Oscar 2021 Broker Bonus Program flyer.


Space

Delta Dental

Broker Rewards Program

Sell Delta Dental’s small group plans, including plans from their new Small Business Program portfolio and qualify for the retention and new sales bonuses. Effective dates from January 1, 2021 to December 31, 2021 are eligible.

Retention Sales Bonus
Retain at least 90% of your book of business through 2021 and earn a bonus on your existing business and qualify for new sales rewards. The more you retain, the more you earn.

New Sales Bonus
Once you’ve met your retention goal, there are three levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received. And this rewards program is in addition to your existing standard small business commission.

You’ll be automatically enrolled with your first sale. The small business rewards dashboard provides a real-time view of your earnings progress. Expires December 31, 2021. Rewards will be calculated and paid after December 31, 2021. Download the Delta Dental Broker Rewards Program flyer.


Space

Welcome Back Specialty Bonus

Earn up to $750 when you sell your first dental and/or vision case if you haven’t written a case with Humana in the last 12 months. Groups must be 5+ enrolled. Effective dates from July 1, 2021 through December 31, 2021. Expires December 31, 2021. To learn more, download the Welcome Back Specialty Bonus flyer.


Bundling Bonus – Sell a Bundle, Earn a Bundle!

To earn a bonus, sell new specialty lines of coverage with the same employer group and initial effective dates of coverage between August 1 and December 31, 2021.

Place stand-alone specialty lines of coverage or add specialty lines of coverage to a new or existing Humana group medical customer and earn:

Specialty lines of coverage include dental (including voluntary dental), vision (including voluntary vision), life, and accidental death & dismemberment (AD&D). Expires December 31, 2021. To learn more, download the Bundling Bonus flyer.


Specialty Growth Bonus

Earn an initial bonus of up to 5% as a percentage of paid compensable premium and a Specialty Net Growth Factor of up to 140% from a producer’s net gain or loss of enrolled employees.

Eligible products are group term life (including AD&D), group term voluntary/supplemental life (including AD&D), group vision (including voluntary vision), and group dental (including voluntary dental). Expires December 31, 2021. To learn more, download the 2021 Producer Partnership Plan brochure.


Leaders Club Program 2021

Earn Leaders Club points through new medical and qualifying specialty plan sales or Go365 results to qualify for awards including a trip to Banff National Park in Canada for the Leaders Club 2022 event. Effective dates of coverage are from January 1, 2021 to December 31, 2021. Expires December 31, 2021. To learn more, download the 2021 Producer Partnership Plan brochure.


Space

Multi-Product Advantage

Earn 1.5% additional broker compensation when selling dental plus two coverages.
How it works:

No expiration. Download the MetLife Multi-Product Advantage flyer.


Space

2021 Bonus Programs

Production Bonus
The more you sell, the higher the bonus factor. Whether you sell several smaller cases or just a few larger cases, you can qualify for a production bonus based on new sale credits for each of these qualifying coverages or services.

Persistency Bonus
The more premium you retain the higher the bonus factor.

Qualifying For The Production and Persistency Bonus Programs

Earn one new sale credit for each of these qualifying coverages or services:

Earn one-half credit for voluntary accident or voluntary critical illness. Expires December 31, 2021. Download the Principal Broker Bonus flyer.

 

Questions?
Contact your Claremont 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.

Sign Up for Text Messaging

 

Delta Dental New Broker Rewards Program

Posted by

To fuel your sales efforts, Delta Dental has announced a new broker rewards program with incentives to retain business and gain new Delta Dental clients. This new rewards program is for brokers who sell Delta Dental’s small group plans, including plans from their new Small Business Program portfolio – effective dates beginning January 1, 2021 through December 31, 2021.

How It Works

Retention Sales Bonus

Retain at least 90% of your book of business through 2021 and earn a bonus on your existing business and qualify for new sales rewards. The more you retain, the more you earn.

New Sales Bonus

Once you’ve met your retention goal, there are three levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received. And this rewards program is in addition to your existing standard small business commission.

You’ll be automatically enrolled with your first sale. To learn more, download the flyer.

Delta Dental New Broker Rewards Program

To easily measure your success and gauge the status of your eligible small business groups, simply register now on the Small Business Rewards Program dashboard and start tracking your rewards earnings.

Start quoting Delta Dental small group plans today!

 

Questions?
Contact your Claremont 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.

Sign Up for Text Messaging

 

Delta Dental New Broker Bonus Program

Posted by

Delta Dental has announced a new rewards program for brokers who sell their small group plans, including plans in their new Small Business Program portfolio – effective dates beginning January 1, 2021 through December 31, 2021.

How It Works

Retention Sales Bonus

Retain at least 90% of your book of business through 2021 and earn a bonus on your existing business and qualify for new sales rewards. The more you retain, the more you earn.

New Sales Bonus

Once you’ve met your retention goal, there are three levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received. And this bonus is in addition to your existing standard small business commission.

You’ll be automatically enrolled with your first sale. To learn more, download the flyer.

Delta Dental New Broker Bonus Program

Start quoting Delta Dental small group plans today!

Questions?
Contact your Claremont 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.

Sign Up for Text Messaging