Did you visit your dentist this year?

by MikeMeehan 11/29/2017 1:54 PM

Even though this time of year might be busy with holiday plans, make some time to see your dentist. Most dental plans have the benefit deadline of December 31, so be sure to fit in your regular exams and cleanings before the end of the year. Benefit plans differ, so read your plan documents first. As you look over your benefit plan offerings, check to see if you’ve reached your deductible and find out what your annual maximum is. This will help determine which benefits you want to use before the end of the year. As a reminder, your deductible is the amount you have to pay before your benefit plan begins to pay the cost of your treatment. Your annual maximum is the maximum dollar amount a dental plan will pay for care within a benefit period. You can read more about deductibles, maximums and other dental coverage basics, here. It’s about preventive care Oral health and dental benefits are all about preventive care. That’s why we want you to get to the dentist! Dental benefits work to stop problems before they begin. If you put in the time for preventive care, like visiting your dentist routinely and brushing twice a day for two minutes, it can help avoid bigger and more costly problems in the future, like cavities or gum disease. Other appointments to make Vision benefits are similar to dental benefits because they focus on preventive care too. These are benefits you want to use. And just like we emphasize oral health is an important part of your overall health, your vision health is also connected to your overall health. While you’re making your last dental appointment of the year, fit in your regular comprehensive eye exam with your vision care provider. And learn more about our vision coverage, DeltaVision®. If you have any questions about your benefits plan, you can sign in to your account or contact us. 

What types of dental plans are available?

by MikeMeehan 9/13/2017 9:23 AM

The type of dental plan that’s right for you depends on your personal preferences: Would you pay slightly more to enjoy the flexibility of visiting any dentist? Or is a low price a priority? Here’s what you need to know: Preferred Provider Organization (PPO) plan allows you to visit any licensed dentist, but Delta Dental has established lower fees with our in-network dentists to help you save money. Use our Find a Dentist tool to see if your dentist is in our network, or to find one who is. You can also use the Delta Dental mobile app to find a network dentist. A Dental Health Maintenance Organization (DHMO), or prepaid plan, lets you pay a fixed dollar amount for treatments, and has no deductibles or annual maximums. Preventive services like exams and cleanings are covered at little to no out-of-pocket costs to you, as long as you visit your selected in network DHMO primary care dentist (exceptions apply in some states). To find a DeltaCare® USA (DHMO) dentist, use our Find a Dentist tool. Dental Savings Programs, also called discount plans or cards, give you access to certain dentists who have agreed to charge discounted fees for select services. You pay the dentist directly with no need to file claims or fill out paperwork OVERVIEW PPO plans: Slightly higher premiums, but you’ll be able to choose any dentist. DHMO plans: Lower premiums, but your dentist options are limited. Discount plans: Discounts available on certain procedures with specific dentists. Ready to purchase a dental plan? Visit individual.deltadentalmo.com to purchase a plan or find additional information.

Employees Want Better Insurance, According to Survey

by MikeMeehan 2/22/2017 9:46 AM

Employees want better insurance benefit options (health, dental and vision), according to a recent study by the marketing agency Fractl. The study asked 2,000 U.S. workers, ranging in age from 18 to 81, what benefits they’d consider most when deciding between a high-paying job and a lower-paying job. Workers were given a list of 17 perks to choose from. Better health, dental and vision insurance topped the list, with 88 percent of respondents saying they’d give the benefit either “some consideration” (34 percent) or “heavy consideration” (54 percent). Second place was more flexible hours, which also peaked at 88 percent, though fewer said they’d give it “heavy consideration.” The article is similar to a 2015 study by Glassdoor, in which 40 percent of respondents said they preferred healthcare insurance (medical and dental) more than pay raises. Overall, according to the study, nearly four in five employees (79 percent) said they would prefer new or additional benefits to a pay increase. By placing a higher value on additional benefits, employers can attract and retain the best talent in a competitive hiring market. Today, many people have a greater awareness of how oral and vision health contributes to overall health. Researchers have found an association between oral disease and conditions such as heart disease, stroke and bacterial pneumonia, according to the Centers for Disease Control and Prevention. Likewise, many common eye diseases often have no warning signs. A dilated eye exam is the only way to detect these diseases in their early stages. Sixty percent of employees said they would trade two days of vacation for an annual eye exam and a pair of glasses, in a survey conducted by Rosenthal & Sorkin, Managed Vision Care. In the Fractl study, women were more likely to prefer better insurance (health, dental and vision), with 61 percent of women choosing it, compared to 47 percent of men. But health insurance is the most expensive benefit to provide. According to the study, its average cost per employee is $6,435 for individual coverage and $18,142 for family coverage. The study also calculated that fully-covered dental insurance costs a company $576 a year and fully-covered vision insurance between $60 and $120 a year.

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