Evaluating a dental provider: What to look for

by MikeMeehan 6/20/2018 10:55 AM

Selecting dental coverage that best suits your company can go a long way toward employee satisfaction. In fact, more than two-thirds of employees consider dental benefits to be an extremely or very important part of an overall compensation package. Brush up on which aspects are most important when evaluating a dental benefits provider with our quick guide below. NetworkNetwork coverage is key to helping keep your employees – and your wallet – happy. A larger network means more in-network dentists for your employees to choose from. It also means that the dentists your employees currently visit will likely be in-network.  Visiting in-network dentists saves employees and employers money. It protects your employees from balance billing and saves your group money on claims, which typically account for the majority of an employer’s expense. Cost managementThe true cost of a plan extends beyond premiums. When deciding on a dental plan, evaluate the provider’s cost-containment strategies, cost-management history, fee arrangements with dentists and effective discounts delivered to all members. Long-term costs can be reduced with preventive care like regular dental exams and cleanings that help employees avoid costly procedures down the road. Some providers, such as Delta Dental, usually offer options with complete coverage for preventive care. Cost transparencyMake sure the provider will deliver cost transparency and data on actual costs and benefits. This can often be lost when bundling medical and dental coverage where the only cost noted is a single premium.  ServiceKnowing that your questions and issues will be addressed in a timely matter will help you feel confident and satisfied with your coverage decision. Being able to reach a local representative and easily use the provider’s website and mobile app (if they have one) can improve efficiency, flexibility, transparency and the claims process. Some providers even offer financial guarantees on pre-determined service standards, such as customer service and timely payment of claims. Enhanced benefitsSome providers offer enhanced benefits, like additional exams and cleanings, at little or no cost to those with certain medical conditions who might benefit from additional oral health care. Enhanced benefits may be available for pregnant women and those with diabetes, suppressed immune systems and other systemic conditions. Dental benefits expertiseLook for a provider that uses credible, evidence-based data to shape coverage options and has a proven track record of supplying high-quality benefits.  By knowing the needs of your employees and the most important benefits considerations to evaluate, you can select dental coverage that will be good for both you and your employees. Talk to your benefits consultant or local Delta Dental representative about your options.   

Save Money With In-Network Dentists

by MikeMeehan 12/6/2017 1:21 PM

During the holidays, a lot of us are spending money on gifts, decorations, entertaining, traveling, and donations. Luckily, you can save money at your dental appointments by visiting a Delta Dental in-network dentist. If you’re watching your pennies this time of year, think about the money you’re saving or could save when you visit a Delta Dental dentist. We’ve created a chart below so you can see an example of the savings for a common procedure. Delta Dental in-network dentists have agreed to pre-established fees on most common dental procedures for Delta Dental members. Every network dentist also goes through a credentialing process, so you know you’re getting quality care and saving on out-of-pocket costs. Another benefit of using our extensive dentist network is protection from “balance billing.” Our in-network dentists have agreed not to charge more than Delta Dental’s allowed fees. Delta Dental dentists will not bill you for the difference between the allowed fee and their usual fee, also known as balance billing. You can choose to visit an out-of-network dentist, but the fees will be higher. Also keep in mind, you may be balance billed if you go out of network. Take a look at the chart below for an example of the money you can save: Example Savings for a Common Procedure   Estimated Charge Maximum Allowed Fee Percentage Paid by Delta Dental Amount Delta Dental Pays Amount Dentist can Balance Bill Total Amount You Pay Your Total Cost Savings Delta Dental PPOSM Network $1,200 $850 50% $425 $0 $425 $350 Delta Dental Premier® Network $1,200 $975 50% $487.50 $0 $487.50 $225 Out-of-Network $1,200 $1,100 50% $550 $100 $650 $0     You can find a Delta Dental in-network dentist by using the Find a Dentist tool or our free mobile app. We have more than 152,000 dentists in our nationwide network.

Does One Size Fit All? Delta Dental PPO vs. Delta Dental Premier

by Jason 10/9/2014 8:00 AM

Whether you’re already a Delta Dental member, a soon-to-be member or a prospective member, you might not know about our dual network. Delta Dental of Missouri and Delta Dental of South Carolina have two networks: the Delta Dental PPOSM Network and the Delta Dental Premier® Network. So, how does each network function?... more...

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