Dental insurance no waiting period part of the Delta dental plan association that has a national presence so today we're going to talk mainly about our market here in central Ohio we're going to look at improving the benefits spread shooting techniques some of the common issues in that arise from there that we see often .
We're going to look at how you can better understand networks provider access discounts and then we'll leave some time at the end for some discussion and questions so we're going to start with a common request we see as a carrier hey Kelly I've got a group here please quote me plan $
Deductible $ annual max throw in some ortho and here are the current rates of what we have I can get a quote going with this but there's a lot of information I still need to give you a true apples-to-apples comparison when you're looking at competing dental plans so radio graphs you know
There's a lot of different variations of x-rays our sealants covered endo pareo and oral surgery is a big one a lot of times we see that move around from major coverage or basics at Delta Dental we're going to cover that as a basic service a basic tier of your coinsurance but a lot of times we see .
That move to to major so that's certainly going to have an impact on rates is it just going to be a root canal or all endo services and then crowns is that going to be a major service or basic so what's really going to help us here is a detailed benefit summary or assert that way when we're
Putting together our quote we're going to match it up exactly to how that group has it currently another area here x-rays full mouth x-rays we see this one change a lot from either once every three
Years or once every five years we cover it once every five years reason for that is there's evidence that shows that if you get it every five it's no worse or no