Dental Training for Louisiana State University System
A Strong Parent Company:  Health Care Service Corporation <ul><li>The largest customer-owned health insurer and fourth lar...
We are Dearborn National Strength:   We are financially strong and capable of fulfilling our promises to our producers, me...
Dearborn National Dental Network 29%   Average Savings   by utilizing our  network providers <ul><li>Largest Dental PPO Ne...
Largest Dental Provider Network:  Nationwide Access and Discounts
Dearborn National  Dental Wellness Program <ul><li>Dearborn National   offers: </li></ul><ul><ul><li>Proactive approach to...
The Dearborn National   Approach Dental Health and Wellness Education across the Health Continuum Well Members Low- Risk M...
<ul><li>Targeted Member Information To  </li></ul><ul><li>Improve Oral Health </li></ul><ul><ul><li>Dental Sealants </li><...
Dearborn National’s  Dental Wellness Center <ul><li>Educational resources for dental members : </li></ul><ul><ul><li>Most ...
Enhanced Web Tools
2010 Basic Plan Benefits* <ul><li>Lifetime Deductible: </li></ul><ul><li>Type 1 Procedures: $0  </li></ul><ul><li>Combined...
Basic Plan Rate Comparison Tier Dearborn National Ameritas Employee Only $16.56 $16.72 Employee + Spouse $31.11 $31.64 Emp...
New Benefit Features for Enhanced Plan <ul><li>Enhanced dental plan offers the following “new” benefit features:  </li></u...
2010 Enhanced Plan Benefits <ul><li>Annual Deductible: $0 </li></ul><ul><li>Maximum Policy Year Benefits:   </li></ul><ul>...
Enhanced Plan Rate Comparison Tier Dearborn National Ameritas Employee Only $26.26 $28.08 Employee + Spouse $51.37 $55.20 ...
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Dearborn National Annual Enrollment Presentation

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  • Revised 6/08 EM Team – ESL Large Dental PPO Network Nationally over 98,000 dentist access points Illinois over 7,800 dentist access points Exceptional Dental PPO Discounts National Average Discount 27.8% Network Management Full provider screening and evaluation prior to network acceptance Comprehensive license verification program Board Certification verification Monthly customer satisfaction surveys measuring network dentist services
  • Revised 6/08 EM Team – ESL BlueCare Dental Connection offers a proactive approach to member dental health education. Proactive approach to member dental health education Opportunity for member behavior change for improved preventive dental measures Link between periodontal disease and serious medical conditions Reduce overall health care costs by lowering incidence of more serious complications No enrollment necessary: automatically part of every dental plan
  • Our process focuses on 3 categories of members…much in the same fashion as you saw with BCC : Low-Risk members: Moderate-Risk member: High-Risk members : And the approach used is the one that best fits their unique needs… web education targeted mailings enhanced benefits integrated efforts
  • Dearborn National Annual Enrollment Presentation

    1. 1. Dental Training for Louisiana State University System
    2. 2. A Strong Parent Company: Health Care Service Corporation <ul><li>The largest customer-owned health insurer and fourth largest overall in the United States. </li></ul><ul><li>Operates through Blue Cross and Blue Shield plans in Illinois, New Mexico, Oklahoma, and Texas, as well as several subsidiaries. </li></ul><ul><li>Very strong financial and capital position. Rated A+ (Superior) by A.M. Best Company. </li></ul><ul><li>Not publicly held </li></ul><ul><ul><li>We can focus on needs of clients — not Wall Street. </li></ul></ul><ul><ul><li>Lower Return on Investment (ROI) targets than publicly held insurance companies. </li></ul></ul><ul><ul><li>Provides ability to be flexible in plan design and pricing. </li></ul></ul>
    3. 3. We are Dearborn National Strength: We are financially strong and capable of fulfilling our promises to our producers, members and insureds. Independence: Because we are independent from the conventions and bureaucracy of Wall Street, our customers can depend on us to be stable and do the right thing in our business relationships. Solutions: We build relationships in which we listen to our customers and provide big-company solutions with a small-company touch.
    4. 4. Dearborn National Dental Network 29% Average Savings by utilizing our network providers <ul><li>Largest Dental PPO Network </li></ul><ul><ul><li>Nationally over 152,000 dentist access points </li></ul></ul><ul><li>Exceptional Dental PPO Discounts </li></ul><ul><ul><li>National average discount 29% </li></ul></ul><ul><li>Network Development </li></ul><ul><ul><li>Customized Recruitment Campaign </li></ul></ul><ul><ul><li>Recruitment – highest utilized providers </li></ul></ul><ul><ul><li>Partnership </li></ul></ul><ul><ul><li>Mail and Field Recruitment </li></ul></ul><ul><ul><li>Nominate a Dentist </li></ul></ul>
    5. 5. Largest Dental Provider Network: Nationwide Access and Discounts
    6. 6. Dearborn National Dental Wellness Program <ul><li>Dearborn National offers: </li></ul><ul><ul><li>Proactive approach to member dental health education </li></ul></ul><ul><ul><li>Opportunity for member behavior change for improved preventive dental measures </li></ul></ul><ul><ul><li>Link between periodontal disease and serious medical conditions </li></ul></ul><ul><ul><li>Reduce overall health care costs by lowering incidence of more serious complications </li></ul></ul><ul><ul><li>No enrollment necessary: automatically part of every dental plan </li></ul></ul>
    7. 7. The Dearborn National Approach Dental Health and Wellness Education across the Health Continuum Well Members Low- Risk Moderate- Risk High-Risk Dental Wellness Center online tool Targeted outreach and integrated efforts <ul><li>Educate Low-Risk members with general wellness information </li></ul><ul><li>Educate Moderate-Risk members at risk for dental disease </li></ul><ul><li>Educate and reach out to High-Risk members to improve risk conditions and overall health </li></ul>< < < Wellness > > >
    8. 8. <ul><li>Targeted Member Information To </li></ul><ul><li>Improve Oral Health </li></ul><ul><ul><li>Dental Sealants </li></ul></ul><ul><ul><ul><li>Parents of Children 5-13 yr. olds who have not had a history of Sealants </li></ul></ul></ul><ul><ul><ul><li>Parents with Children with a history of Cavities within the last 12 months </li></ul></ul></ul><ul><ul><li>Periodontal Disease </li></ul></ul><ul><ul><ul><li>Members With a History of Periodontal Treatments </li></ul></ul></ul><ul><ul><ul><li>Members Without a History of Routine Cleanings within the last 12 months </li></ul></ul></ul>Preventive Outreach Program
    9. 9. Dearborn National’s Dental Wellness Center <ul><li>Educational resources for dental members : </li></ul><ul><ul><li>Most current dental wellness information </li></ul></ul><ul><ul><li>News articles published monthly </li></ul></ul><ul><ul><li>Great resources for dental health information </li></ul></ul><ul><ul><li>Updated interactive Web tools include: </li></ul></ul><ul><ul><ul><li>Ask A Dentist </li></ul></ul></ul><ul><ul><ul><li>Provider Finder </li></ul></ul></ul><ul><ul><ul><li>Risk Assessments </li></ul></ul></ul>
    10. 10. Enhanced Web Tools
    11. 11. 2010 Basic Plan Benefits* <ul><li>Lifetime Deductible: </li></ul><ul><li>Type 1 Procedures: $0 </li></ul><ul><li>Combined Type 2 and Type 3 Procedures: $100 </li></ul><ul><li>Maximum Policy Year Benefits: </li></ul><ul><li>General Dental Expenses: $1,000 </li></ul><ul><li>Orthodontia: Not covered under this plan </li></ul><ul><li>Maximum Lifetime Benefits: </li></ul><ul><li>Orthodontia: Not covered under this plan </li></ul><ul><li>Type of Benefit: Coinsurance Percentage: </li></ul><ul><li>Type 1 Procedures 100% of Usual and Customary </li></ul><ul><li>Type 2 Procedures 100% of Scheduled Fees </li></ul><ul><li>Type 3 Procedures 100% of Scheduled Fees </li></ul><ul><li>Orthodontia Not covered under this plan </li></ul><ul><li>*Dearborn National will be replicating existing Basic Plan with no changes </li></ul>
    12. 12. Basic Plan Rate Comparison Tier Dearborn National Ameritas Employee Only $16.56 $16.72 Employee + Spouse $31.11 $31.64 Employee + Child $43.01 $43.84 Family $57.56 $58.76
    13. 13. New Benefit Features for Enhanced Plan <ul><li>Enhanced dental plan offers the following “new” benefit features: </li></ul><ul><ul><li>Removal of the lifetime and family deductibles for Type 2 and Type 3 services </li></ul></ul><ul><ul><li>Offer fixed level of coinsurance for Type 2 (80%) and Type 3 (50%) services </li></ul></ul><ul><ul><li>Wellness benefit – an additional cleaning for members with specific medical conditions </li></ul></ul><ul><ul><li>Allow for Implant services plan, up to a lifetime maximum of $2,000 </li></ul></ul><ul><ul><li>Increase the orthodontic lifetime maximum benefit from $1,000 to $1,500 </li></ul></ul>
    14. 14. 2010 Enhanced Plan Benefits <ul><li>Annual Deductible: $0 </li></ul><ul><li>Maximum Policy Year Benefits: </li></ul><ul><li>$1,250 for the 2010 – 2011 plan year </li></ul><ul><li>$1,500 for the 2011 – 2012 plan year </li></ul><ul><li>$2,000 for the 2012 – 2013 plan year </li></ul><ul><li>Maximum Lifetime Benefits: </li></ul><ul><li>Orthodontia: $1,500 </li></ul><ul><li>Implants: $2,000 </li></ul><ul><li>Type of Benefit: Coinsurance Percentage: </li></ul><ul><li>Type 1 Procedures 100% of Allowable Expenses </li></ul><ul><li>Type 2 Procedures 80% of Allowable Expenses </li></ul><ul><li>Type 3 Procedures 50% of Allowable Expenses </li></ul><ul><li>Implants 50% of Allowable Expenses </li></ul><ul><li>Orthodontia 50% of Allowable Expenses </li></ul>
    15. 15. Enhanced Plan Rate Comparison Tier Dearborn National Ameritas Employee Only $26.26 $28.08 Employee + Spouse $51.37 $55.20 Employee + Child $62.44 $67.16 Family $87.55 $94.28

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