Developing the ideal dental plan with the most reasonable rates is like putting together the pieces of a large, complex puzzle. That’s why Premier Access Insurance Company strongly encourages all groups to work in tandem with an insurance broker that is well-versed in all aspects of dental coverage.
A broker is an insurance puzzle expert. They know what questions to ask carriers – and to recognize the best answers. Brokers also have an in-depth understanding of the legal and compliance issues related to dental coverage; this includes Health Insurance Portability and Accountability Act (HIPAA), the Consolidated Omnibus Budget Reconciliation Act (COBRA), and the Employee Retirement Income Security Act (ERISA), to name a few. And with the Health Care Reform Act, it isn’t unusual for the pieces of the puzzle to be often morphing and changing.
The Benefits of Using a Broker
- Plan designs
- Calendar Year Maximums
- UCR percentiles
- GeoAccess reports
- Enrollment forms
- Implementation schedules
- Claims histories
- Tier breakdowns
- Optional orthodontia
- Annual deductibles
- Exclusions and limitations
The services, advice and guidance a broker provides to employers are the most important pieces of the puzzle that, when all put together, is the dental coverage your valued employees and their families count on for their oral health and dental hygiene.
Insurance is complicated. Coverage is important. Brokers are essential. Premier Access is here to help you find the best broker for your organization.
