Employee Benefits

How to Evaluate Dental Carrier Differences

keys to dental plans

When evaluating an insurance carrier, there are important variables to consider that won’t be in the proposal you receive. All dental carriers are not equal, so carefully assess the differences. Here are several items to consider:

  • Evaluate the carrier representatives you may work with:
    • Is dental a priority or just a sideline business?
    • Which ones are interested in helping you succeed?
    • Are some more proactive in sharing new ideas that may be helpful to you and your clients?
    • Are they accessible for meetings in person or on the phone?
    • Do the sales reps work with you on renewals, or pass it on to a service contact that you know just as well?
  • Review the dental carriers:
    • Do their financial ratings show a good track record and future?
    • Do they offer consistent pricing and logical renewal rates?
    • Do they have the installation and after-sale service model that is important to you and your clients?
    • Do they really know, and focus on, the dental business?

For long-term satisfaction with dental plans, it is important to work with trusted carriers and sales representatives who demonstrate real value.

Unequal Differences, Unexpected Surprises

Economic issues and health-care reform are having a significant impact on employee benefit plans. Businesses and employees value dental benefit plans, but they don’t appreciate unexpected surprises on important components, such as covered services, limitations or out-of-pocket expenses.

Ultimately, partner with a helpful and trusted sales representative and carrier in delivering benefit plans that meet expectations. Work together to assist employees in assessing the plan options and costs to determine those that will best meet their needs, and avoid unexpected surprises.

What process do you use to evaluate benefit proposals? – Joe Deyo, Ameritas Group, State Manager in Nashville, Tenn., Group office

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