PREMIUM CREDIT PROGRAM – AN ALTERNATIVE TO LEVEL-FUNDING

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

  WHAT IS THE PREMIUM CREDIT DENTAL PROGRAM? 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 … Read more

FIVE CRITERIA FOR EVALUATING DENTAL NETWORKS

Dentist holds video conference with other dentists to discuss a patient's x-ray, illustrating a network of dentists.

SUMMARY Evaluating your carrier’s dental network is important to ensure your membership can easily access care. Traditional logic may state that the “size” of a dental network is the best evaluation criteria. But “size” isn’t always the definitive measure. In fact, even the definition of “size” is a moving target. Is the carrier counting offices? … Read more

REIMBURSEMENT STRATEGIES – HOW THEY CAN AFFECT COST & DELIVERY OF CARE

Photo of mother playing with her infant child.

OVERVIEW Dental reimbursement models determine how providers are compensated for care. The model type can also affect costs, access, and the way care is delivered. Common models include fee-for-service, capitation, reference-based pricing, and value-based reimbursement. Each approach has potential advantages and disadvantages for dental plans, providers, and patients. This article is a broad, high-level overview … Read more

HOW UTILIZATION CAN STABILIZE COSTS

Young Asian girl smiling positive doing ok sign with hand and fingers. Successful expression symbolizes good oral health, a key to rate stabilization.

Summary BeneCare’s outcomes-based dental plans are designed to help remove the barriers to care that can suppress utilization. This encourages members to address accumulated need and consistently maintain preventive care. This creates a shift in the service distribution from treatment towards prevention, helping to lower cost trends and stabilizing premium rates over the long term. … Read more

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 THREE KEYS TO DENTAL COST CONTAINMENT. 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 containment reasons is not a long-term strategy towards achieving improved oral health outcomes. The key … Read more