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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.

For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.

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Delta Dental

Archive for the ‘Delta Dental’ Category

Delta Dental 2024 Updates

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2024 Plans

Two-Year Contract

Delta Dental is providing new and renewing groups in 2024 with a two-year contract, resulting in a rate pass for those groups in 2025.

New for 2024

Delta Dental now offers members a wide range of perks through LifePerks, which include thousands of discounts to promote health and happiness. These perks encompass gym memberships and fitness equipment, child care services, groceries, pet insurance, and discounts on travel, movies, theme parks, and more.

Examples:

Contact us for a list of all the current available perks and download the LifePerks flyer to learn more.

Plus, Member Perks offer virtual dentistry, free wellness resources, oral health product discounts, LASIK and hearing aid discounts, and more. For details, download the Member Perks flyer.

Contact us today for a 2024 Delta Dental quote.

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Why Delta Dental Doesn’t Use Leased Dental Networks

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A reliable and extensive dentist network is essential for quality dental care and cost-effective access to in-network services. Delta Dental offers a distinct advantage in this regard, boasting the largest proprietary dentist network in the nation. As of September 2021, Delta Dental’s combined Dental Dental PPO™ and Delta Dental Premier® networks feature over 155,000 unique dentists.

Unlike many competitors, Delta Dental directly contracts with its dentists and does not rely on leased networks from other carriers. Delta advocates that direct contracting mitigates these disadvantages of leased networks:

Delta Dental contracts directly with dentists and see many advantages in cost and quality of care for your clients in this approach. Get the details.

Contact us today for a Delta Dental quote.

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BrushSmart: Delta Dental’s At-Home Oral Wellness Program

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Delta Dental is offering BrushSmart to its PPO™ and DeltaCare® USA members, providing significant discounts on dental products from major brands to encourage better at-home oral care habits.

BrushSmart Member Benefits Include: 

The program aims to enhance at-home oral care and complement routine dental check-ups. All Delta Dental PPO™ and DeltaCare® USA members across all lines of business are eligible to enroll in BrushSmart. Members simply sign up for BrushSmart to have discounts sent directly to their inbox. Get the details.

Contact us today for a Delta Dental quote.

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


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Delta Dental 2023 Broker Rewards Program

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Earn additional compensation for selling and retaining eligible groups of 2-99 lives by enrolling in Delta Dental’s Small Business Broker Rewards Program.

How It Works

Retention Sales Bonus

Retain at least 92% of your book of business through 2023 and meet a new sales reward level. If you do both, you’ll earn a bonus for each. If you’re new to Delta Dental, your new sales alone will qualify.

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 2023. As you sell more and retain your existing business with Delta Dental, your rewards grow. And this 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. Brokers who have joined in previous years just need to log in to be eligible for additional compensation in 2023. To learn more, download the flyer.

Delta Dental Broker Rewards Program

Contact us today to quote Delta Dental plans!

 

Questions?
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Delta Dental – Expanded Coverage for Chronic Conditions

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Oral health is more important than you might think. The health of your mouth, teeth, and gums can have a significant impact on your general health. In fact, gum disease and tooth decay are associated with several systemic conditions. That’s why Delta Dental’s SmileWay® Wellness Benefits program provides additional teeth and gum cleanings throughout the year for enrollees with certain chronic medical conditions.

According to the Centers for Disease Control and Prevention, chronic health conditions and unhealthy behaviors reduce worker productivity and cost US employers $36.4 billion a year because of employees missing days of work.

A healthier workforce can result in lower direct costs, such as insurance premiums and workers’ compensation claims, and lower indirect costs if workers miss less work due to illness. With SmileWay Wellness Benefits, members stay healthy and more productive.

SmileWay Wellness Benefits Program

Delta Dental PPO™ members and their dependents can take advantage of enhanced benefits and receive up to five cleanings per calendar or contract year if they’ve been diagnosed with one of the following chronic medical conditions:

When employees keep up with regular cleanings, they can reduce the symptoms and complications of their chronic conditions, and help prevent further health issues.

More Covered Cleanings Every Year
Once enrolled in SmileWay Wellness Benefits, Delta Dental PPO members with qualifying chronic conditions are eligible for extra routine and periodontal cleanings:

How to Enroll
For groups with this benefit, enrollees who have been diagnosed with any of the qualifying chronic conditions will need to opt in online or call Customer Service to access the expanded coverage.

Delta Dental’s SmileWay Wellness Benefits can be added to all mid-size and large group Delta Dental PPO plans. Download the SmileWay Wellness Benefits broker flyer and SmileWay Wellness Benefits member flyer to learn more.

Contact us today for a Delta Dental quote and to add SmileWay Wellness Benefits to your clients’ plans.

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


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Delta Dental – 2023 Dental Benefits Trends

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Delta Dental 2023 Trends

The impact of COVID-19, rapid technological advancements, inflation, a tightening labor market, and an aging population will affect employee benefits in 2023. Delta Dental anticipates these trends for you and your clients in 2023:

Budgeting and Health Benefits

A recently released KPMG CEO Outlook survey found that firms of all sizes are looking to cut costs in preparation for a possible recession. Eight out of ten CEOs anticipate a recession over the next year.

When it comes to cutting costs, small businesses don’t have to sacrifice benefits. Offering affordable dental benefits is still possible with Delta Dental’s small business dental plans – with three different price points to meet most budgets. Delta Dental PPO™ and DeltaCare® USA plans are available at each price point.

Telehealth Expansion

A wave of technological advances, including a huge increase in telemedicine and teledentistry, in part spurred by the COVID-19 pandemic, will continue to impact and transform dental care in 2023. These technological advances will continue to improve efficiencies, enhance patient care, and broaden accessibility. In fact, about 55% of large employers plan to increase access to virtual health services, according to a November report.

Delta Dental offers two convenient virtual dentistry options:

Attracting Talent with Benefits

In a labor market still recovering from COVID-19, attracting and maintaining a high-quality workforce is more important, and difficult, than ever. As the Great Resignation continues to influence the job market, employers who are looking to expand in 2023 may find job applicants tough to find.

According to a recent survey, almost half of employees said they are currently looking or planning to look for a new job in 2023, up five percent from 2022. And a Forbes survey found that in 2022, eight percent of employees left a job they liked to find better health benefits.

robust dental benefits package can play a key role in your clients’ success and set them apart from the competition. According to the Bureau of Labor Statistics, only 44% of civilian workers have access to dental benefits, so companies who do offer dental benefits have an extra advantage in attracting talent. What’s more, a recent survey showed that 33% say health benefits and services are the most important factor when choosing an employer.

Benefits are Essential

Health care benefits are a big part of an employer’s overall salary package. And having a strong and strategic benefits package is key to recruiting and retaining valuable employees. Plus, having healthy people on the job means a higher level of employee productivity. Make sure your groups have access to the most comprehensive and affordable dental benefits by offering them Delta Dental.

Contact us today for a Delta Dental quote.

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Resources

 

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


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Delta Dental PPO and Premier – How The Dual Network Works

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Delta Dental PPO™ plan members have access to two Delta Dental networks – Delta Dental PPO and Delta Dental Premier®. Together, they make up the largest network of dentists in the nation, according to Zelis Network360®. In fact, four out of five dentists in the United States are Delta Dental network dentists. The main difference between the two networks is the amount members can save.

Delta Dental PPO and Delta Dental Premier

Member Savings

There are three options: PPO, Premier, and non-Delta Dental dentists. Members save the most when visiting a Delta Dental PPO dentist, a little less at a Premier dentist, and the least at a non-Delta Dental dentist.

Delta Dental PPO Network
With this large, high-quality and reliable network of dentists, members don’t need to carry paper ID cards or submit claims, since Delta Dental works directly with dentists to manage identification and claims.

By visiting a dentist in the PPO network, members pay less out-of-pocket and make their plan maximum go farther. PPO dentists have agreed to reduced fees, which means added savings and no unexpected out-of-pocket costs.

But members don’t have to sacrifice plan savings if their dentist isn’t in the PPO network.

Delta Dental Premier Network
By visiting a dentist in the Premier network, members can expect the same advantages of a high-quality network and easy access, but with more limited out-of-pocket savings.

Delta Dental Premier dentists have also agreed to discounted fees, as part of their contract with Delta Dental. Premier fees are typically higher than Delta Dental PPO fees. Like with PPO dentists, members won’t pay more than their expected share — so there are no surprise bills.

Non-Delta Dental dentists can set any price they wish.

Plan Configuration Can Encourage PPO Utilization

To encourage in-network visits long term, it’s best to build incentives into plan designs that encourage visiting in-network dentists. Groups may have the following options:

Reimbursements

The amount the plan bases its payment on is the reimbursement, also known as the maximum plan allowance. This is separate from the percentage at which certain services are covered.

Under a Delta Dental PPO plan, PPO dentists are reimbursed at PPO fees and Premier dentists are reimbursed at either Premier or PPO fees. How Premier dentists are reimbursed under a PPO plan is up to the plan’s benefits administrator, but there are advantages to each of the two options:

In-Network Dentists

With the Find a Dentist tool, members can check a dentist’s network by entering their own location and choosing their preferred network from the ‘Select a Network’ drop-down menu. Each dentist’s directory listing indicates which networks the dentist participates in.

With Delta Dental’s dual network, your clients and their employees can make informed choices about their care and costs, without sacrificing quality.

Contact us today for a Delta Dental quote.

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Resources

 

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


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Delta Dental – More Choice and More Competitive in 2023

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For groups with two to 99 employees, the Delta Dental Small Business Program (SBP) offers a wide variety of plans and options, all with comprehensive coverage and easy access to quality care and savings from their large networks. These plans are designed to be flexible so that your small business clients can choose the options that make the most sense for their business and budget. Here is what’s new for 2023!

Delta Dental - What's New

New Core 201 Plan

The leaner Core 201 plan replaces the Core 200 plan and features 100/80/0 coverage with a $750 annual maximum.

Higher Annual Maximum and More Orthodontic Coverage

Advantage 200 and 400 plans are getting a higher annual maximum of $3,000 and adding orthodontic options for adults and children. These plans offer orthodontics for adults and children with a $1,000 or $1,500 lifetime maximum.

Reduced Participation Requirements

The employer-paid participation requirement for adult orthodontics has dropped from 25 to five employees. With this reduction, more small groups will now be eligible for this optional adult benefit.

New Dual Choice 4 Plan

Dual Choice 4 features the new Core 201 plan as the low plan and Advantage 200 as the high plan with limited maximum options:

More Options for D&P Maximum Waiver and Orthodontia

These options have been added to the following plans:

SmileWay® Wellness Benefits

SmileWay Wellness Benefits

Delta members with any of these conditions are entitled to additional routine and periodontal cleanings. The member must advise their dentist at the time of visit and they can submit a specific note with the electronic billing for payment consideration.

DeltaVision

No plan changes for 2023. The 2022 rates will hold for 2023.

Rates and Quoting

Download the Delta Dental Small Business Program brochure to learn more. And explore Delta Dental’s SBP plan comparison.

Contact us today for a Delta Dental quote.

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


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DeltaCare USA – Dental Plans For Tight Budgets

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Currently, your clients may be experiencing tighter than expected budgets due to economic uncertainty, inflation, and rising interest rates. Fortunately, DeltaCare® USA plans offer full-featured benefits and affordable, predictable prices – perfect for groups looking to save money without sacrificing coverage.

DeltaCare USA Benefits

In addition to lower costs, DeltaCare USA (HMO-type) plans provide a broad range of coverage including:

DeltaCare USA plans also offer an added bonus for employees who have begun, but not completed, an orthodontic procedure. In-progress provisions allow new members to continue treatment with their current orthodontist ― even if that orthodontist isn’t in the DeltaCare USA network.

DeltaCare USA plans also include:

As a fixed copayment plan, DeltaCare USA offers employees convenience and simplicity with:

How DeltaCare USA works

Plan members select a primary care dentist from the DeltaCare USA network and pay set copayments for covered services directly to that dentist. This dentist provides most of the treatment and coordinates any necessary specialist referrals. Best of all, there’s no paperwork to fill out. Visit Delta Dental to learn more.

Why employers should offer dental coverage when budgets are tight:

With DeltaCare USA plans, your clients can help their employees stay healthy and save money!

Contact us today for a DeltaCare USA dental quote.

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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.

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Delta Dental Broker Rewards Program for Small Groups

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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 The Answer Team at 800.696.4543 or info@claremontcompanies.com.

 


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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.

If you don’t find what you are looking for, contact our team for help at 800.696.4543 or materials@claremontcompanies.com.