Dental plans without waiting periods are a rare find. Most dental plans require a 12 month wait before covering most dental expenses beyond basic cleanings and preventative services. For that reason alone, these plans are a great addition to any healthcare agent’s product offerings. We will go over a few more reasons agents may want to sell these plans.
Click here to watch a video on the benefits of ancillary plan sales.
Why offer these dental plans
Large Provider Network
The network for these plans is one of the largest dental networks in the country. This means, finding an in-network provider will be easy for most clients. As any agent will tell you, one of the most important benefits of a dental plan is getting the negotiated rate for using an in-network provider, this benefit can save enrollees much more than the plan maximum benefit amount.
3 Plan choices available
There are 3 coverage options in this network. The first option offers a benefit amount of $1,000. Other plan options offer coverage amounts of $1,500 and $2,000.
Plans provide 100/80/50 coverage. 100% coverage for preventative and diagnostic services. Preventative consists of, exams, cleanings, bitewing, full x-rays, fluoride treatments and space maintainers. Coverage of 80% for basic services that consist of, filings, simple extractions, oral surgery, root canals and sealants. There is 50% coverage for major dental services from day 1. Major services include, crowns and gold restorations, bridge work, full and partial dentures, denture repair and implants.
That’s correct, coverage from day 1! This is available for any enrollee even if they did not have prior dental coverage.
Plans are available to anyone
Plans are available in all 50 states to anyone between the ages of 18 and 100 years of age. These plans are offered by an association that uses one of the largest dental networks available. The deductible for the plans is $50 per person with a maximum family deductible of $150.
There are 4 options for coverage:
- Member
- Member and spouse
- Member and child
- Family
Watch our YouTube video for more information on these dental plans
More benefits of selling these plans
This coverage also includes a carryover benefit of 50%. That means, if the member does not use a portion of their benefit (up to 50%) it can be carried over to the next calendar year and added to that annual benefit maximum.
Agent information
Commissions for agents who sell these plans is 12% paid as earned, for the life of the policy. Higher commission amounts are available for agencies who have subagents selling plans.
Agents have a personalized portal they can use to enroll clients. There is also the option of customer self-enrollment through a consumer facing function on the portal.
Existing Crowe agents who want to add ancillary products to their contract; click here.
If you are a new agent and want to join our team; click here for online contract.
Do you have any questions?
Questions and requests
Agents who want more information on these plans, please contact our office at 203-796-5403 or by email at lisa@croweandassociates.com.
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