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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.

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ACA/Healthcare Reform

How are carriers administering the waiting period limitation?

Under the waiting period rules, carriers can rely on the eligibility information reported to it by the employer (or other plan sponsor) if: (1) The carrier requires the employer to make a representation regarding the terms of any eligibility conditions or waiting periods imposed by the employer (and requires the employer to update this representation with any changes), and (2) The carrier has no specific knowledge of the imposition of a waiting period that would exceed the permitted 90-day period.

Covered California for Small Business (CCSB) has taken this approach. CCSB leaves it up to the employer to establish eligibility. CCSB simply asks employers to attest that they are adhering to the waiting period rules. However, the way most other carriers administer the waiting period rules is they track the length of any orientation period and waiting period from the date of hire.