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(Caveat, NOT an agent.)I have delta dental contract for OK, and just picked it up for KS. Dentists like it. Customers are familiar with it, coming from group plans.
Probably the smallest commission of anything ive ever sold (however it is level for life.) We are talking eight to ten percent. About the same as a PDP.
BUT it does work as intended. Ive never heard of a single issue from a client with delta. Whereas, I have with other carriers....
Delta Dental only does dental insurance. So, they have to do a good job at it, otherwise they are out of business.
Dental insurance is always a challenge. You find someone great coverage, but their dentist is out of network, so it doesn't pay well. Or the dentist is in network, but the premium or deductible is too high, or the waiting period is too long.
Delta often waives the waiting periods if they are had prior coverage.
You also have to get a different Delta contracting for each state, which is inconvenient.
All that being said. I dont write it often.
(And following comments will be a bit vague because I can't remember the dental visit codes or the precise technical names for dental coverage levels 2 and 3 after the preventive level.)
Does BCBSKS allow selling through agents? If they do, sometime when you have a bit of time, consider comparing Delta vs BCBSKS.
IF I was an agent and was going to look at dental plans, I think I would try to offer BCBSKS and UHC.
(and I don't think our UHC networks are "vast" like chazm talks about for FL.)
(And if I was going to consider a third one, I think I would take a careful look at the NCD MetLife plans. With coverage options up to 10K, there may be a good higher coverage/higher premium offering there which one could have for clients.)
The higher cost BCBSKS plan I buy off their website has a very good network. They only offer 1,000 in coverage and their premium may be a bit on the high side for that level of coverage. However they have very good payment amounts, which I suspect accounts for the high network participation. (don't think the same applies to the lower cost senior plan.)
They will both waive Major coverage waiting periods for previous plan Major coverage - but the precise details of the requirements to obtain the waiver are different (and interesting if you are into that kind of thing) between the two carriers.
I am not an agent and don't have access to carrier to agent provided plan details and pricing. Within the information available to me, I found 1 unique characteristic of the BC plan. It puts Root Canals in the coverage level 2 -- with NO WAITING PERIOD. (But remember their exposure is limited with the $1K annual limit.) That was a major factor in my taking BC as a secondary plan when I did.
I think BC put all the dental visit codes in preventive. A thing that griped me about Delta is there is one emergency visit code they put in level 2 (subject to deductible) and limited coverage to 1 visit per year. (Keep in mind I already had UHC as primary coverage.) That one detail of Delta coverage led me to choose BC over delta for additional coverage in a year where I needed several fillings, 2 root canals and 2 crowns. I have never compared dental plan features for coverage needs beyond those.
Nice to see you posting again from time to time.
Regards.
LD