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Dental benefit information

  • Dual dental coverage: can I have two dental plans?
    Nov. 19, 2020

    Dual dental coverage: can I have two dental plans?

    Dental benefit information

    If you are covered under two different dental plans, then you have dual dental coverage. Dual dental coverage typically occurs when you have two jobs that each provide dental benefits, or you are covered by your spouse’s dental plan in addition to your own.

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  • Delta Dental of Illinois announces smart new plans for small businesses
    Nov. 9, 2020

    Delta Dental of Illinois announces smart new plans for small businesses

    Dental benefit information

    The new plans — Base, Ascent and Pinnacle — include features and options not commonly available to smaller businesses. With the launch of these plans, Delta Dental of Illinois is eliminating waiting periods for all small groups. New features for the small group dental plans include more options for annual maximums, occlusal (night) guard coverage, adult orthodontics and additional ortho lifetime maximums.

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  • Choosing a dental plan to protect your health next year
    Oct. 5, 2020

    Choosing a dental plan to protect your health next year

    Dental benefit information

    Given the ongoing COVID-19 pandemic, your priorities and those of your family may have changed. Wellness benefits may be even more important than ever before. It’s time to begin looking forward to a healthy 2021. Many Illinoisans are choosing benefits for next year. Did you know that dental coverage can play a key role in maintaining good oral health and overall well-being? In a recent Delta Dental poll, Americans gave two top reasons for having dental coverage.

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  • Understanding pre-treatment estimates
    Sep. 8, 2020

    Understanding pre-treatment estimates

    Dental benefit information

    When planning for any dental treatment, it’s important to know the costs involved – understanding what is covered by your dental carrier and what you may owe your dentist. Delta Dental of Illinois offers a complimentary pre-treatment estimate for its members so they have an idea of how much a specific dental procedure will cost ahead of time. This helps both you and your dentist make the right decision for you regarding your treatment options.

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  • Why offering dental benefits matters even more during a pandemic
    Sep. 8, 2020

    Why offering dental benefits matters even more during a pandemic

    Dental benefit information

    Nearly half of employers nationwide are strengthening health and wellness benefits so employees can more easily get the care they need during the COVID-19 pandemic. Workplace perks like complimentary beverages, food and on-site gyms are great. But with many people still working from home, some of these office benefits may be of less value to employees. Many employees are seeking job security and a competitive benefits package to help them stay healthy during these times.

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  • Dental insurance for kids
    Aug. 21, 2020

    Dental insurance for kids

    Dental benefit information

    When it comes to our children, we always want the best for them and look out for their well-being. This includes their oral health and making sure they have a healthy smile. Good oral health habits start early. The American Academy of Pediatrics recommends that children visit the dentist by age 1 to help establish a relationship with the dentist and assess any risk for early dental decay. At 18 months, the regular six-month checkups can then begin.

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  • What is COBRA insurance?
    Jul. 15, 2020

    What is COBRA insurance?

    Dental benefit information

    “COBRA” stands for Consolidated Omnibus Budget Reconciliation Act and is a 1985 federal law to provide relief for those who experience a job loss, or other qualifying event, allowing them to continue their existing medical, vision, and dental insurance coverage for a limited period – typically 18 months after the final day of employment. In rarer circumstances, COBRA coverage is available for up to 36 months.

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  • How you can help employees budget for dental expenses
    Jan. 18, 2020

    How you can help employees budget for dental expenses

    Dental benefit information

    Many people resolve to take better care of their finances this time of year. You can support your employees in working toward that goal by helping them budget for dental expenses. Here’s how you can help reduce their stress and improve their health. Provide dental benefits. The best way to help employees budget for dental expenses is by offering great dental coverage. Dental benefits often cover 100% of routine preventive services like checkups and cleanings.

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  • No dental insurance? Protect your oral health with an individual plan.
    Dec. 6, 2019

    No dental insurance? Protect your oral health with an individual plan.

    Dental benefit information

    With the end of the year approaching, you still have a few weeks to schedule a preventive checkup with your dentist and make use of your dental benefits — or consider getting a plan for next year. Did you know that more than 2 in 5 Americans (44%), or more than 100 million people, lack dental insurance? Don’t be among them. People with dental insurance are 40% more likely than those without coverage to see the dentist each year (77% v. 46%).

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  • Why proprietary dental networks have higher standards
    Dec. 5, 2019

    Why proprietary dental networks have higher standards

    Dental benefit information

    With a proprietary dental network, the dental benefits provider contracts directly with their network of dentists. While under a leased dental network, a dental benefits company will lease their network of dentists, or a portion of it, from a third-party provider to gain access to its dentists.

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  • Why expanding businesses should offer employee benefits
    Nov. 5, 2019

    Why expanding businesses should offer employee benefits

    Dental benefit information

    Employer-sponsored benefits are a key factor in keeping employees happy and attracting the best workers to grow your business. However, it can be time-consuming and costly for small businesses to compete with larger companies or even other small businesses when it comes to providing benefits.

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  • What is a “Benefit Waiting Period”?
    Oct. 24, 2019

    What is a “Benefit Waiting Period”?

    Dental benefit information

    After enrolling in a new dental plan, coverage for some services could be subject to a benefit waiting period. A benefit waiting period is the amount of time before you are eligible to receive benefits for all or certain dental treatments. Every dental plan is different, but typically, there are no waiting periods for diagnostic... More »

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  • The Difference Between Coinsurance, Deductibles and Copay
    Oct. 24, 2019

    The Difference Between Coinsurance, Deductibles and Copay

    Dental benefit information

    Deductibles, copay and coinsurance are all ways you share the costs of dental care with your benefits company – but they all operate a little differently. A deductible is the total amount you pay before your dental benefits carrier helps with the costs. Let's say you have a $100 deductible and you need to get... More »

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  • The most and least valued employee benefits
    Oct. 9, 2019

    The most and least valued employee benefits

    Dental benefit information

    If you’re looking to hire top talent in a competitive job market, your employee benefits package could be key. About 60% of workers say benefits and job perks are a major factor in their decision to accept a job offer. And 80% would choose additional benefits over higher pay.

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  • What Do People Misunderstand about Dental Benefits?
    Jul. 8, 2019

    What Do People Misunderstand about Dental Benefits?

    Dental benefit information

    Do you understand what a waiting period or an effective date means for your dental plan? Did you know you can avoid costly surprises by requesting a pre-treatment estimate? Taking the time to understand more about your dental plan can be beneficial. Here's what you need to know.

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  • Paying for a Dental Plan You're Not Using? Start Using It.
    Jun. 5, 2019

    Paying for a Dental Plan You're Not Using? Start Using It.

    Dental benefit information

    More than 1 in 3 adults across the nation — including almost 45% of those ages 19 to 34 — will not visit the dentist over the course of a year, despite having private dental insurance.1 In Illinois, 25% of people who have dental insurance coverage have not visited the dentist in the past year.2 In short, they are paying for dental insurance they are not using. If you have dental insurance coverage and are not using these benefits regularly, you could be leaving money on the table and shortchangi

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