New Small Business Incentive Program

• The new bonus program is in effect from February 1, 2025 through January 31, 2026.
• Brokers can earn points for each new member as follows:
  • 25 points per new enrolled medical member on all plans as part of the initial sale.
  • 10 points per new enrolled member in a small business dental plan.
  • 5 points per new enrolled member in a small business vision plan.
  • 5 points per new enrolled member in a small business life insurance plan.
  • 2x points for each new member enrolling in all three: dental, vision, and life (40 points total).

Learn more about the new Small Business Incentive Program.

Specialty Bundled Savings Program

The 10% specialty discount is a perpetual program that is applied to the dental and/or vision premium when a dental and/or vision plan is added to a new or existing small business medical group. Learn more.

‘A Partnership That Pays’ Broker Bonus Program

Agents who place new small group business with Covered California for Small Business (CCSB) from July 1, 2025 – January 1, 2026, can earn up to a $12,000 bonus per group, in addition to competitive commissions. You’ll earn $1,000 for groups with as few as five enrolled employees and up to $12,000 for groups with 51-100 enrolled employees. Best of all, the bonus is per group with no maximum number of groups!

Download the ‘A Partnership That Pays’ broker bonus program flyer for details.

Gift Card Bonus Program

For every PPO fully insured dental group you sell, you’ll earn a gift card based on the group size:

• $100 Gift Card for 3–20 Members
• $250 Gift Card for 21–70 Members
• $500 Gift Card for 71+ Members

Plus, add vision or life insurance alongside the dental plan, and you’ll receive an additional $25 per line.

Broker Bonus Program

To earn extra income:

• Enroll 3 new fully insured dental cases.
• Enroll 50 new dental members. Minimum of 50 newly enrolled group PPO members must be from groups enrolled during the thirteen months.**
• Renew 85% of your groups from your current book of business.
• Fulfill one of the three level requirements:
  • 2% Bonus: Enroll and maintain a minimum of $1,500,000 in annualized earned premiums.**
  • 1.5% Bonus: Enroll and maintain a minimum of $750,000 in annualized earned premiums.**
  • 1% Bonus: Enroll and maintain a minimum of $150,000 in annualized earned premiums.**

Download the Ancillary Broker Bonus flyer for details.

**Bonuses on fully insured PPO premiums. Bonus period is from July 1 to June 30 of the following year.

Small Business Broker Rewards Program

To earn additional compensation for selling and retaining eligible groups of 2-99 lives, enroll in Delta Dental’s Small Business Broker Rewards Program at ddsbrewards.com.

Retention Sales Bonus

To qualify, retain at least 85% of your book of business through 2025 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 Tier 1:
  0.5% bonus when you retain 85%-89.9% of your existing business.
  1% bonus when you retain 90%-94.9% of your existing business.
  1.5% bonus when you retain 95%+ of your existing business.
• New Sales Bonus Tier 2:
  1% bonus when you retain 85%-89.9% of your existing business.
  1.5% bonus when you retain 90%-94.9% of your existing business.
  2% bonus when you retain 95%+ of your existing business.
• New Sales Bonus Tier 3:
  1.5% bonus when you retain 85%-89.9% of your existing business.
  2% bonus when you retain 90%-94.9% of your existing business.
  3% bonus when you retain 95%+ of your existing business.

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 2025. As you sell more and retain your existing business with Delta Dental, your rewards grow. And this program is on top of your existing standard small business commission.

• Tier 1: 3% bonus – 5-14 new groups or $50,000-$149,999 new premium.
• Tier 2: 4% bonus – 15-29 new groups or $150,000-$299,999 new premium.
• Tier 3: 5% bonus – 30+ new groups or $300,000+ new premium.

Sign up for the rewards program and access the small business broker rewards dashboard to easily track your rewards. If you’ve joined in previous years, simply log-in to be eligible for 2025. To learn more, download the flyer.

Ancillary Multi-Product Bundling Program

Boost your sales! Add employer paid dental, vision and life, and your clients can reduce their ancillary product premiums by 5%. The discount only applies to groups with 2-100 employees when new Health Net dental coverage is purchased with an additional Health Net vision and/or life insurance product. This discount doesn’t apply to voluntary dental or vision. Learn more.

Dental Bundling Bonus

Sell a Bundle, Earn a Bundle! To earn a bonus, sell a new Humana dental line of coverage with at least one additional Group Benefits line of coverage with the same employer group with an initial effective date of coverage between May 1, 2025 through September 30, 2025.

• Groups with 5-49 eligible enrolled employees (must be at least 5 enrolled):
  – $100 bonus for dental + $100 for vision + $100 for life + $200 for disability coverage.
  – $100 more if you place all four lines of coverage with the same employer for a total of $600!
• Groups with 50-299 eligible enrolled employees:
  – $200 bonus for dental + $100 for vision + $100 for life + $300 for disability coverage.
  – $100 more if you place all four lines of coverage with the same employer for a total of $800!

Group Benefits Lines of Coverage

• Group Term Life (Including AD&D)
• Group Term Supplemental Life (Including AD&D)
• Group Vision (Including Voluntary Vision)
• Group Dental (Including Voluntary Dental)
• Group Short-Term and Long-Term Disability

To learn more, download the Dental Bundling Bonus flyer.

Multi-Product Advantage

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

• Step 1: sell a dental plan and at least two new coverages from two or more different product groups.
• Step 2: verify qualifying criteria and ensure that each case has dental coverage, 10-99 eligible lives, and 10+ lives enrolled in each product. All coverages must be sold and implemented at the same time.
• Step 3: earn an additional one-time payment of 1.5% of the annualized premium for each product sold.

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

Download the Blue Shield Commission Schedule.

Download the Choice Builder Commission Schedule.

The sole factor to determine the applicable commission schedule for all groups is the number of enrolled employees in the employer group at the time the employer group enrolls in coverage through Covered California for Small Business.

Download the Humana Commission Schedule.

Download the MetLife Commission Schedule.

Download the Reliance Matrix Commission Schedule.

Download the TASC Commission Schedule.