Tag Archives: delta dental of arizona

teeth

ACA and Dental Insurance: 5 Things to Think About

While much of the attention on the implementation of the Affordable Care Act has focused on medical coverage, Arizona residents are also able to purchase dental insurance through the Federally Facilitated Marketplace (FFM) beginning on Oct. 1, 2013, through March 31, 2014.

Delta Dental of Arizona states, “We are especially pleased that the new law recognizes the special value of stand – alone dental plans. Under the terms of the law, those who seek coverage through the Federal insurance exchange will be able to purchase separate coverage from dental carriers, like Delta Dental, that have a track record of providing services in the most cost-effective, consumer-friendly manner.”

The Federally Facilitated Marketplace can be found at www.Healthcare.gov and is particularly important for Arizona residents who do not have access to coverage either through their employers, on their own, or who aren’t covered by Medicaid. The new health care law requires that most U.S. citizens and legal residents have health insurance or pay a penalty. People are not required to purchase health and dental insurance through the exchange; they can go directly to a benefits carrier. However, if they might qualify for federal tax subsidy to lower their premiums the FFM is the place to go. Members can begin enrolling as of October 1 with coverage beginning Jan. 1, 2014.
Delta Dental of Arizona offers the following information to help you understand how the Affordable Care Act has changed dental benefits and to select a dental plan that best fits your needs.
1. Not All Networks on the Exchange are Created Equal
Dental benefits are provided through an arrangement with local dentists. Dental carriers enter into contract with the dentist, who in turn agrees to charge a certain price. The key to a great network is how your plan contracts with dentists to get you the lowest cost and highest quality of care. Delta Dental of Arizona negotiates a low cost with our statewide network of more than 3,100 dentists, and we protect members from balance-billing (the difference between what the plan pays and what the dentist charges). Lower out-of-pocket costs mean that the annual dental benefits stretch further.

But not all networks are created equal. Some dental carriers offer a small discount from the standard dental office fee. This practice can shift the burden of expense to the patient for costly services such as root canals and crowns. And the discounts offered may apply to only a very narrow network of dentists. This means the range will be smaller than a larger, robust network. Make sure dental insurance offers the lowest cost…with the most choice.

2. Do the Math
Be sure to understand what payments you are responsible for. In addition to the monthly premiums, there may be cost-sharing arrangements on services. Look for a plan that encourages preventive care by covering 100% of the costs of exams, cleanings, x-rays, sealants and fluoride treatments. Secondly, look at deductibles – the amount that must paid before the insurance company pays for all or a portion of the costs. Deductibles vary across plans. Lower monthly payment plans will typically have a higher deductible. In addition, there are also out-of-pocket maximums, which mean that once the out-of-pocket maximum has been paid, the insurance plan pays 100%.

Keep in mind; if you are purchasing your dental benefits through a medical insurance carrier on the new online insurance marketplace, you need to look carefully at how deductibles and out-of-pocket maximums apply. For example, a deductible for a health plan might be $2,000 compared to a typical deductible for a stand-alone dental plan that ranges from $25 to $100. This means you could pay for a lot of dental costs before the medical plan starts paying 100%. That can be costly for the average family.

3. An Ounce of Prevention
When choosing a dental plan, it is important to review what services the plan covers. While it may seem like all plans are the same, many vary in coverage. Look for an insurance plan that emphasizes preventive and diagnostic care. Many people don’t realize that costly and painful dental problems can be prevented by regular visits to the dentist…even at the earliest of ages. The American Dental Association recommends that children see a dentist by age 1. Dental problems such as cavities are nearly 100% preventable.

4. Getting the Most Value
Every family has a unique situation. It is important to assess dental plans based on your family’s needs. Do you have children who are ready for braces? Might you be heading for a crown or root canal? Are implants or dentures in your future? Or are annual exams, cleanings and X-rays the extent of your dental needs? Make sure you are paying for services you need and getting the best value on those services. It’s not just about cost; it’s about coverage as well. Look for the coverage that works best for you and your family.

5. Who Are You Doing Business With?
You are sure to come across many companies in the online marketplace. Some are big, but many will be small, new businesses. It is important to make sure you’re working with an established company. Review their company profile and make your decision based on the answers to several questions. How long have they been in business? How many years have they been specializing in dental insurance? Are they local or national? There has been a lot of consolidation in the insurance industry. How much experience your dental insurance company has processing and paying dental claims is important. You don’t want to get a notice from another company you are not familiar with that has subcontracted with your insurance company because that means dental insurance is not your insurance company’s main area of expertise. Established dental carriers have the benefit of smooth, accurate operating procedures.

Delta Dental of Arizona is a Qualified Health Plan issuer in the Federally Facilitated Marketplace. For questions about buying insurance on the Arizona Health Insurance Marketplace, visit www.HealthCare.gov in English or www.CuidadoDeSalud.gov for Spanish, or call (800) 318-2596. For questions about Delta Dental of Arizona plans, visit www.DeltaDentalCoversMe.com, call toll-free at:  800-352-6132, Monday through Friday (CT) or via email at customerservice@deltadentalaz.com.

teeth

Delta Dental launches new mobile app

Delta Dental is proud to announce its new mobile application available for mobile devices using iOS (Apple) or Android. Launched two weeks ago, the app has over 1,000 downloads to date.

With this new, free mobile app, subscribers can search for a dentist, view claims and coverage details and access their ID cards right from their phone. Through a secure login process, subscribers will always have access to their oral care history, benefits coverage and can even email their mobile ID card to their dentist before an appointment.

A fun feature of the app is a toothbrush timer set to music for the recommended two minutes of brushing.

“We are excited to offer our subscribers easy access to their dental coverage through the app,” said Jay Kolker, vice president of operations and information technology for Delta Dental of Arizona. “Even those that aren’t Delta Dental subscribers can access the toothbrush timer and dentist search, so it really is an app for everyone.”

To download the app, visit the Apple App Store or the Google Play Store.

AB's Top Lawyer's List, AZ Business Magazine Mar/Apr 2011

Delta Dental names Director of Legal Affairs

Delta Dental of Arizona is pleased to announce the hiring of Anne Bishop as the dental insurance company’s Director of Legal Affairs and Compliance.

“We are thrilled to welcome Anne to the Delta Dental team,” said Allan Allford, CEO for Delta Dental of Arizona. “Her expertise in health care law will be an asset as we prepare for the launch of private dental exchanges and other aspects of the Affordable Care Act.”

A magna cum laude graduate of Arizona State University’s Sandra Day O’Connor College of Law, she has extensive commercial and healthcare litigation experience. Prior to joining Delta Dental, Bishop served as an associate attorney for Snell & Wilmer L.L.P. in Phoenix, where she focused on health care services, health care transactions, compliance and regulatory matters.

Bishop’s expertise includes seven years of experience analyzing and researching legal issues in healthcare, advising clients on HIPAA and other healthcare compliance issues, and coordinating intra-company fraud investigations. In addition, Bishop spent nearly 14 years with the National Security Agency, where she received more than a dozen awards for outstanding performance and exceptional contributions to the intelligence community. Bishop also holds a bachelor of arts in international relations from the University of Pennsylvania.

2010 Best of the Best Awards

2011 Best of the Best Winners

On March 31st, the 2011 Best of the Best Awards reception and dinner was held at Camelback Inn where Ranking Arizona recognized the companies that Arizona’s public ranked as their favorites to do business with.

During this special night of networking and celebrations, Ranking Arizona presented awards to its 2010 B.O.B. winners, 2010 and 2011 Platinum Hall of Fame honorees and the 2011 B.O.B. winners.

View photos of the event on Flickr.


Video by Nick Cervi

Congratulations to the 2011 Best of the Best Winners!

Advertising, Marketing & Media

Winner
KPNX-TV Channel 12

Finalists
News Talk 92.3 KTAR

The Lavidge Company

Business Services

Winner
Wist Office Products

Finalists
O’Neil Printing
Jani-King Southwest

Entertainment

Winner
Donovan’s Steak & Chop House

Finalists
T. Cook’s at Royal Palms
Vincent’s on Camelback

Finance & Professional

Winner
National Bank of Arizona

Finalists
Arizona State Credit Union

Farmers Insurance Co.

Health Care

Winner
St. Joseph’s Hospital & Medical Center

Finalists
Chandler Regional Medical Center
Delta Dental of Arizona

Manufacturing & Technology

Winner
The Go Daddy Group Inc.

Finalists
Ping
The Boeing Company

Real Estate Commercial

Winner
CB Richard Ellis

Finalists
Ryan Companies US Inc.
Adolfson & Peterson Construction

Real Estate Residential

Winner
Rossmar & Graham

Finalists
Fireside at Norterra by Del Webb
Legacy Design Build Remodeling

Retail

Winner
Scottsdale Fashion Square

Finalists
Molina Fine Jewelers
Camelback VOLKSWAGEN Subaru Mazda

Tourism

Winner
Phoenix Convention Center

Finalists
Loews Ventana Canyon Resort
Four Seasons Resort Scottsdale at Troon North

2009 Best of the Best Winners


best of the best 2011, AZ Business Magazine Mar/Apr 2011

Best of the Best Awards 2011: Health Care

Winner: St. Joseph’s Hospital & Medical Center

St. Joseph's Hospital, AZ Business Magazine Mar/Apr 2011 St. Joseph’s Hospital and Medical Center is a not-for-profit hospital that has evolved over the last 115 years to become a destination hospital for the most complex medical cases from throughout the United States and around the world. The hospital provides a wide range of health, social, and support services, with special advocacy for the poor and underserved. It also is nationally recognized for quality tertiary care, medical education and research. St. Joseph’s includes Barrow Neurological Institute, the Heart & Lung Institute and a Level 1 Trauma Center. U.S. News & World Report routinely ranks St. Joseph’s among the nation’s top 10 best hospitals for neurology and neurosurgery.
Year Est: 1895
Principal(s): Linda Hunt
Physicians: 1,277
St. Joseph's Hospital Logo, AZ Business Magazine Mar/Apr 2011 350 W. Thomas Rd.
Phoenix, AZ 85013
602-406-3000
www.stjosephs-phx.org



Finalist: Delta Dental of Arizona

Delta Dental, AZ Business Magazine Mar/Apr 2011

For more than 39 years, Delta Dental of Arizona has been delivering quality dental insurance to Arizona residents. As a leading dental insurance provider, it is always looking for new and innovative ways to promote oral health and wellness by offering affordable dental plans throughout the community. Delta’s individual dental plan is tailored to meet the needs of uninsured and underinsured individuals and families. Its individual plan provides four different options, all with the same access to an extensive provider network of more than 3,000 dentists, servicing more than 5,700 locations. Delta is also offering DeltaVision, a fully insured group vision plan and an integral part of health care and wellness programs.

Year Est: 1972
DDS: 3,045
Principal(s): Allan Allford
Delta Dental Logo, AZ Business Magazine Mar/Apr 2011 5656 W. Talavi Blvd.
Glendale, AZ 85306
602-938-3131 www.deltadentalaz.com



Finalist: Chandler Regional Medical Center

Chandler Medical, AZ Business Magazine Mar/Apr 2011 Chandler Regional Medical Center has been an important part of the East Valley for 50 years. Since opening its doors as Chandler Community Hospital with 40 beds and 25 employees, Chandler Regional has grown to 225 beds. It continues to expand with construction plans on two major projects, adding a new patient tower and expanding the existing cardiac cath lab. The combined projects will add more than 200 jobs and over 100 new patient beds. With over 2,000 employees and a medical staff of 850 in all major specialties, Chandler Regional is part of Catholic Healthcare West (CHW), the eighth-largest health care system in the nation and the largest nonprofit health care system in the West.
Year Est: 1961
Principal(s): Patty White
Physicians: 850
Chandler Regional Logo, AZ Business Magazine Mar/Apr 2011 475 S. Dobson Rd.
Chandler, AZ 85224
480-728-3000
www.ChandlerRegional.org


Arizona Business Magazine Mar/Apr 2011

2010 Best of the Best Awards

2010 BOB Awards: Health Care

The following companies won the Gold, Silver and Bronze rankings in the Health Care category of the 2010 BOB Awards.

2010 Best Of The Best Awards: Health Care


2010 Best of the Best AwardsBanner Gateway Medical Center
Acute Care Hospitals: 199 beds or fewer

Year Est.: 2007
Beds: 176
Principal(s): Pam Nenaber
Physicians: 560
bannerhealth.com

2010 BOB AwardsBanner Gateway Medical Center is Banner Health’s newest hospital, located on the southwest corner of U.S. 60 and Higley Road in Gilbert. The 176-bed hospital is fully electronic and offers the ideal environment for patient and family focused care. Banner Gateway provides a wide variety of care for the community, including emergency, obstetrics, surgery, bariatric surgery, orthopedics, women’s health and general medical care. The M. D. Anderson Banner Cancer Center is scheduled to open on the Banner Gateway Campus in 2011.


2010 Best of the Best AwardsSt. Joseph’s Hospital & Medical Center

Acute Care Hospitals: 325 beds or more

2010 BOB Awards


Year Est.:
1895
Beds: 697
Principal(s): Linda Hunt
Physicians: 1,500
stjosephs-phx.com

2010 BOB AwardsDelta Dental of Arizona

Dental Health Plans

2010 BOB AwardsYear Est.: 1972
DDS: 2,900
Principal(s): Dr. Robert Griego
Group or Individual: Both
deltadentalaz.com

2010 Best of the Best Hall of Fame