THREE KEYS TO BENDING THE COST CURVE

A roll bending machine illustrates bending a steel rod symbolizing the bending of the cost curve for dental benefits

By Patrice Ierardi, DMD, BeneCare Dental Director SUMMARY. On average cost trends in medical and dental care services have consistently outpaced inflation.[i] Utilization is one of the primary drivers, but reducing utilization strictly for cost-control reasons is not a long-term strategy towards achieving improved oral health outcomes. The key to making cost control a result … Read more

TIPS TO HELP AVOID SURPRISE DENTAL BILLS

African American woman has a perplexed look on her face as she looks at a surprise dental bill.

SUMMARY. Everyone wants to avoid surprise bills. And the “No Surprises Act,” which went into effect January 1, 2022, does not apply to excepted benefits such as stand-alone dental and vision plans.[i] The “No Surprises Act” (NSA) primarily applies to fully insured and self-funded medical plans, including grandfathered plans.[ii] So, how do members help avoid … Read more

PLAN DESIGN – BALANCING COST AND ACCESS

Feet of woman gymnast on balance beam competition metaphorically representing balance.

SUMMARY. Selecting the proper dental plan design is key to striking a balance between cost and access. The proper plan design can help mitigate costs while still providing access to care that is usable and offers the best value. DHMOs MAY NOT BE THE BEST VALUE. Dental Health Maintenance Organization (DHMO) plans may offer the … Read more

PREMIUM CREDIT PROGRAM – AN ALTERNATIVE TO LEVEL-FUNDING

The words, "medical loss ratio" is written on the keyboard button.

SUMMARY.  Get the security, coverage, and predictability of a fixed premium dental plan and the potential savings usually only available to self-funded plans with BeneCare’s Premium Credit Program. This innovative plan design ensures qualified[1] groups that the large majority[2] of their premium dollars are used to pay for dental care services. If not, the group … Read more