FAQs - For Employers Considering Delta Dental
Below please find the frequently asked questions
for employers considering Delta Dental coverage.
What
type of dental plans do you offer?
Delta Dental of Massachusetts offers
a variety of plans and we can work with you to tailor a dental
program to your company's specific needs. We can also provide
consistent coverage to your employees located in other states
through our National Coverage network. For additional product information please
click on any of the plans listed below.
Our most popular plans are:
- Delta Dental Premier
- a managed fee-for-service program.
- Delta Dental PPO - a preferred provider organization (PPO).
- DeltaCare
- a managed care program—similar to a dental HMO.
- Voluntary
Plans - These 100% employee-paid dental plans will enable
your clients to offer great dental coverage—at no cost to
them. We offer a choice of two voluntary plans: the Premier
Voluntary Plan and our Preferred
Voluntary Plan.
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How
do I get a quote from Delta Dental of Massachusetts?
Simply contact one of the
Sales Executives based on the location of your company's headquarters. If you employ 10 to 49 employees plese contact the Small Business Department.
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Can we offer
more than one dental plan to our employees?
Yes, depending on the number of eligible employees at
your company you can opt for a dual option that allows you to offer two
different types of dental plans to your employees. The plan combinations
available are:
- Delta Dental Premier and DeltaCare
or
- Delta Dental PPO and DeltaCare
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How can my employees
find a participating dentist near where they live or work?
Your employees may check Find
A Dentist on our web site. They will need to know which dental plan
your company has selected—Delta Dental Premier, Delta Dental PPO or DeltaCare
program. Once enrolled, they may also check their ID
card for the name of their plan. Then, they will need to enter in either
their zip code or city (not both please). A list of participating dentists
will be displayed on the screen that can also be printed out. Your employees
may also get a map with driving directions to the participating dentist
by clicking on their practice address.
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What are the benefits of receiving
care from a participating dentist?
Participating dentists have agreed to accept negotiated
fees for services. When an employee receives care from a participating
dentist they enjoy:
- Credentialing standards. All participating
dentists meet the strict credentialing standards of the National Committee
for Quality Assurance (NCQA).
- No claim forms to fill out. Participating
dentists submit all patient claims, so there's nothing for you or your
employees to fill out.
- Lower out-of-pocket costs. Participating
dentists generally accept reduced fees and your employees' co-payment
(if applicable) is based on these reduced fees. As a result, they pay
lower out-of-pocket costs than if they received care from a non-participating
dentist.
- No balance billing. Participating dentists
agree to accept Delta's fee and the patient co-payment or deductible
(if applicable) as full payment.
- Direct payment. Delta Dental pays
the dentist directly, so your employees don't have to pay the dentist
the covered amount up front and wait for a reimbursement check.
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Can my employees
visit a non-participating dentist?
Yes, however services performed by out-of-network dentists
are covered at a lower benefit level and your employees' out-of-pocket
costs may be higher. Members receive the greatest value when receiving
care from a participating dentist.
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Some of our employees
speak a foreign language; do you have translation services available?
Yes, Delta Dental employs several Spanish-speaking representatives
to service Spanish-speaking members. Our Interactive Voice Response System is fully
operational in both English and Spanish and enables members who call to choose their
language option. In addition, interpreter services are available to members via the
Certified Language Institute, which is accessed through our Customer Service Associates
(CSAs). This service enables Delta Dental CSAs to conference in a translator to assist
with virtually any non-English-speaking members.
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Do my employees need to bring a
claim form with them when they visit their dentist?
No, when your employees visit a participating Delta
Dental dentist they just need to present their ID card at the time
they receive services. The participating dentist will collect any applicable
co-payments and take care of everything else for them.
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Do you offer
individual dental coverage?
Yes! Now individuals can purchase a Delta Dental plan for themselves and their family.
Two affordable dental plan options are available, both giving access to 96% of Massachusetts’ dentists and thousands more across the country
through the Delta Dental Premier Network.
For more details, please click here to view option plans.
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