Delta Dental Small Business Program

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PRISM - Health Net is Now Available Through Claremont!

Why Choose Health Net?
✔ Lowest rates in the market – Affordable options without compromising quality.
✔ Robust PPO network – Competes with major carriers like Anthem and Blue Shield.
✔ Flexible HMO options – Networks to fit nearly every group statewide and every budget.
✔ Simplified underwriting – Only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
✔ Easy-to-sell benefits – $0 deductible HMO plans + four years of rate stability.
✔ Nationwide coverage – Cigna network access for out-of-state employees + state plurality rules for group qualification.

Start Including Health Net in Your Quotes Today!
Need guidance on networks, plan designs, or have questions? We’re here to help!

Call us at 800.696.4543 | Email us at info@claremontcompanies.com.

Aug 2, 2021, 2 Minute Read

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.

Small Business Program

Three Plan Levels

Deluxe: extensive benefits with the lowest out-of-pocket costs and more options for employees.
Advantage: the most popular plan designs featuring increased choice and flexibility.
Core: quality care at a lower cost.

All PPO plans include:

Low- or no-cost preventive care and comprehensive coverage.
Higher annual maximums up to $3,000.
Expanded access to orthodontics.
White resin fillings on all teeth.
Implant coverage with no separate implant maximum.
No missing tooth exclusions for teeth lost prior to this coverage.
Expanded voluntary choice options.
Expanded plan choices for groups of 2-4.
Dual choice and Core/buy-up plans.
SmileWay® Wellness Benefits for additional preventive care for employees with qualifying conditions.

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:

Dual Choice 1: 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 (100/100/60) or a PPO Plus Premier plan (100/80/50) with greater dentist choice.
Dual Choice 3: Differing Premiums: Offer both a high (PPO Plus Premier 100/90/60) and a low (PPO Plus Premier 100/80/50) 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: Clients can control costs with a set contribution (Core 100/50/50), while giving employees the option to purchase more coverage (Buy-up 100/80/60).

PPO-Eligible Enrollee Contribution and Participation

100% employer contribution, 100% eligible enrollee participation.
75%-99.9% employer contribution, 75% eligible enrollee participation.
50%-74.9% employer contribution, 50% eligible enrollee participation.
Employers contributing between 50% and 74.9% can now choose from Delta Dental’s employer-paid plans.
In place of a state wage report, an employer can provide a complete census of eligible employees.

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.

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