Understanding the ins and outs of dual coverage

by MikeMeehan 8/8/2018 2:00 PM

It’s not uncommon to be covered by two dental benefits plans, which means that you have “dual coverage.” If this applies to you or your family members, take a moment to learn how dual coverage works with these four key points. 1. Understand your coordination of benefits (COB). Your COB is the way your two plans work together when you have dual coverage. The plan that pays first is called the “primary plan,” while the one that pays second is called the “secondary plan.” When your dental office sends a bill, they will address it to the primary plan provider. After the primary plan provider has paid, the remainder of the bill will be sent to your secondary plan provider. In some cases, the secondary plan may cover the rest of the bill.  2. Figure out which plan pays first.  For kids, the primary plan provider can be determined in a couple of ways: •If you’re currently married and your kids have dual coverage, their primary plan will be based on your and your spouse’s birthdays. The parent whose birthday comes first in the year (regardless of birth year) will have the primary plan. For example, if your birthday is June 15th and your spouse’s birthday is December 1st, yours would be the primary plan.  •When parents are divorced, a child’s primary plan typically comes from the parent with the largest portion of custody. It’s best to check with your benefits provider because this may vary depending on your situation. If you have dual coverage because you’re married, the coverage you receive under your employer is your primary plan, as opposed to the coverage you receive from your spouse. Alternatively, you might have dual coverage because you have two jobs. In this case, the plan you’ve had for the longest will be your primary plan. 3. Don’t expect double coverage.  Dual coverage means your two benefits providers share costs in a pre-determined way – not that you receive double benefits. For example, both plans may cover two cleanings a year, but having dual coverage doesn’t mean that you’re now covered for four. 4. Know if your plan has a non-duplication of benefits clause.  Some plans have a rule that prevents secondary plan coverage when the primary plan already paid as much or more than the secondary plan would have covered if it had been the primary plan. Check your plan information to see if your secondary plan has this rule before using your benefits.  With some quick research, you can handle dual coverage with ease and know what to expect after you visit the dentist.

How dental benefits help employers stay competitive

by MikeMeehan 7/19/2018 9:22 AM

Full compensation packages that include dental coverage can help you stand out from your competition. Not only do they make you look more attractive from the outside, but they also help you save time and money internally. Read on to learn why dental coverage is a key part of staying ahead of the pack. Attracting talented employees According to McKinsey, top performers in business are around eight times more productive than average performers. Attracting and retaining these top employees is critical in a highly competitive marketplace and offering dental benefits can help.  Consider this: Two out of 3 employees report that dental coverage is an extremely or very important part of an overall compensation package. In fact, dental benefits ranks higher in importance than disability, life and retiree health insurance. And offering an attractive benefits package matters when it comes to the hiring process; 3 out of 4 workers state that the benefits package offered by an employer is an extremely or very important part of their decision to accept or turn down a job.  Saving your employees (and yourself) time and money Every year, Americans lose more than 164 million hours of work from dental disease, costing companies significant amounts of productivity. Offering dental benefits helps employees stay healthy by encouraging them to seek preventive care. In fact, employees with dental coverage are 73 percent more likely to schedule dental checkups annually than those without it. And visiting the dentist regularly leads to better oral health and early dental disease detection, preventing time away from work required to treat more complex issues.  Dental coverage can also help you and your employees lower the cost of medical care. The dentist will screen for oral cancer, increasing the odds that it will be caught early. Additionally, signs of over 120 diseases may be detected in the mouth including heart disease, diabetes and even some cancers, according to the U.S. Surgeon General Report on Oral Health and the World Health Organization. This disease detection may help improve treatment options and patient outcomes.  If you’re looking for a competitive edge, dental benefits can help. Speak with your benefits consultant or local Delta Dental representative to review your options for employee coverage.  

How dental benefits improve employees’ well-being

by MikeMeehan 5/25/2018 11:36 AM

Offering a dental plan to your employees isn’t just about oral health. Dental benefits have been shown to improve both oral health and overall well-being. Dental coverage emphasizes preventive care Americans lose more than 164 million hours of work every year due to dental disease. But dental coverage can go a long way toward helping employees avoid oral health problems that require them to call in sick. Preventive care, like regular dental exams and cleanings, is typically fully covered under most dental plans including many of those available from Delta Dental.  Adults with dental coverage are 73 percent more likely than those without to visit the dentist at least once a year. By visiting the dentist regularly, employees can address dental issues right away – before they become costly, painful problems that lead to time away from the office.  Oral health is linked to overall well-beingPeople who keep annual dental appointments are more likely to report good oral health. Those who rate their oral health as good tend to also give their overall well-being a good or better rating.  When it comes to physical health, regular dental visits can help with early disease detection. According to the book, “Oral Diagnosis, Oral Medicine and Treatment Planning,” signs and symptoms of over 120 diseases appear in the mouth including diabetes and heart disease. Catching these diseases early can mean higher chances of effective treatment and less medical costs down the road. And last, but definitely not least, dentists may screen for oral cancer during routine checkups, which can dramatically aid in early detection and successful treatment.  Oral health is linked to successGood oral health touches multiple areas of our lives like speaking, smiling, eating, expressing emotions and more. Without it, people can feel uncomfortable smiling and expressing themselves fully. They may even experience anxiety about their oral health that can make everyday life more stressful.  By feeling confident in their smile and satisfied with their oral health, employees can focus their attention on what matters most.  

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