Spirit Dental Webinar 2016 Welcome Spirit offers affordable dental - - PowerPoint PPT Presentation

Spirit Dental Webinar 2016

Welcome

S11607 For Agent Use only – not to be used in a sales situation 2016

Spirit offers affordable dental and vision insurance plans for individuals, families, seniors and employers 2+ or more

S11607 For Agent Use only – not to be used in a sales situation 2016

Spirit Dental Security Life Network Plans Choice Plans Vision option Spiritdental.com Enrolling online and your dedicated links Spirit Group Plans Directbenefits.com Direct Vision Insurance Your sales Representatives Current contests

What We’ll Cover Today

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Market potential individual dental

1 National Association of Dental Plans, ACA and Dental Coverage – The Basics, February 2013. 2 CareerBuilder & EMSI, America’s Self-Employment Landscape, 2013, accessed April 8, 2014. 3 U.S. Census Bureau: Current Population Survey, Annual Social and Economic Supplement, 2012. Released December

2013, http://www.census.gov/population/age/data/2012.html.

* Wait period on ortho in CT, IL, MO, NY, TX S11607 For Agent Use only – not to be used in a sales situation 2016

Why Buy Spirit Dental Insurance

• No waiting periods for all services*
• 25% coverage 1st year major services
• Up to $3,500 annual maximum beginning year three
• Choose your own dentist
• Plan coverage for crowns, bridges, 


implants, dentures, root canals and more

• Child orthodontia included in the Network plans
• Guaranteed acceptance
• No upper age restrictions
• 3 cleanings and two exams per year
• Rates Guaranteed for 12 months
• Optional Spirit Vision insurance
• Next day effective dates!!!
• 30-day customer satisfaction guarantee
• No monthly association or billing fee

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What is Spirit Dental?

• Created in 2003 by Direct Benefits
• Underwritten by Security Life Insurance Company of

America - Founded in 1956

• Security Life is a privately-owned company that

provides ancillary insurance products in 50 states and the District of Columbia. They are headquartered in Minnetonka, MN with an administrative office in Lancaster, PA.

• Over $80 million yearly dental premiums
• Hundreds of Thousands of customers nationwide
• Committed to fast, responsive customer service

and “Best in Class” marketing and sales support.

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Direct Benefit’s Core Values and Focus

Direct Benefits is proud to be on the 2014 list of 100 Best Companies to Work For in Minnesota

Core Focus We’re in it for the “little people of America”. We provide individuals and small businesses with the same or better insurance products as Fortune 500 employers Core Values

• We Are Product Revolutionaries
• We Provide “Over the Top” Responsive Service
• We Are Different
• We Don’t Mind Hard Work
• We Are Generous
• We Are FUN!

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What plans are available?

• Spirit Network 3500 and 1200 Plans
• Spirit Choice 3500 and 1200 Plans
• Optional Spirit Vision Insurance

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Network 3500 Covered Services

Network 3500 Plan* The Spirit Network plan pays for covered dental expenses for network, and non-network providers*, based on the contracted fee amount negotiated after the $100 lifetime deductible has been satisfied

• n Preventive, Basic and Major Services. These

Percentages are:

• 100% for Preventive services, 50% for Basic, 25%

for Major in year one, with a $1,200 annual maximum, and 10% coverage for Ortho Services

• In year two, Basic Services increase to 65%, 50%

for Major with a $2,500 annual maximum, and 25% coverage for Ortho services

• In year three, Basic services increase to 80%, with

a $3,500 annual maximum, and Ortho services increase to 50%

*Non-network provider reimbursement based on what PPO contracted fees would be if using a network provider. Additional out-of-pocket expenses could be incurred.

Network 3500 Covered Services

*This plan is not available in all states.

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Network 1200 Covered Services

Network 1200 Plan* The Spirit Network plan pays for covered dental expenses for network, and non-network providers*, based on the contracted fee amount negotiated after the $100 lifetime deductible has been satisfied on Preventive, Basic and Major Services. These Percentages are:

• 100% for Preventive services, 50% for Basic,

25% for Major in year one, with 10% coverage for Ortho Services

• In year two, Basic services increase to 65%, 50%

for Major, with 25% coverage for Ortho services

• In year three, Basic services increase to 80%,

with Ortho services increasing to 50% The calendar year maximum is $1,200 each year.

*Non-network provider reimbursement based on what contracted PPO fees would be in using a network provider. Additional out-of-pocket expenses could be incurred.

*This plan is not available in all states

Network 1200 Covered Services

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Why should you choose the Spirit Network plan?

• OUR DENTAL NETWORK
• We are pleased to offer you the MaxCare network – We have combined the DenteMax

and Careington Networks. Choose from over 87,000 dentists nationwide with over 220,000 access points*.

• Features include:
• Discounts up to 50% on dental services
• Network discounts available immediately
• $1,200 Child Orthodontia Benefit with the Gold MaxCare Plan
• Look up MaxCare Providers: www.careington.com/co/slica
• The sample comparison chart that follows provides information on how you can save

money by selecting one of Spirit Dental’s network plans. The MaxCare network can help reduce out-of-pocket costs for you and covered your family members.

*The MaxCare network may not be available in all states

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Network Savings Example

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Spirit Choice Plan

• Means that you can Choose Any Dentist in the USA (open

access)

• No Preferred Provider Network
• Based upon the 90th percentile of Reasonable and

Customary (R&C)

• R&C means the usual, customary and regular charges for the

area where such expenses are incurred

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Choice 3500 Covered Services

Choice 3500 Plan* The Choice 3500 Plan pays for covered dental expenses based upon a percentage of the Reasonable and Customary (R&C) fees for those covered services after the $100 lifetime deductible has been satisfied on Preventive, Basic and Major

• Services. These Percentages are:
• 50% for Preventive Services, 50% for Basic, and

25% for Major Services in year one, with a $1,200 annual maximum

• In year two, Preventive increases to 100%, Basic

Services increase to 65%, and 50% for Major Services, with a $2,500 annual maximum

• In year three, Basic Services increase to 80%,

with a $3,500 annual maximum

*This plan is not available in all states

Choice 3500 Covered Services

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Choice 1200 Covered Services

Choice 1200 Plan* The Choice 1200 Plan pays for covered dental expenses based upon a percentage of the Reasonable and Customary (R&C) fees for those covered services after the $100 lifetime deductible has been satisfied on Preventive, Basic and Major

• Services. These Percentages are:
• 50% for Preventive Services, 50% for Basic, and

25% for Major Services in year one

• In year two, Preventive increases to 100%, Basic

Services increase to 65%, and 50% for Major Services

• In year three, Basic Services increase to 80%

The calendar year maximum is $1,200 each year

*This plan is not available in all states

Choice 1200 Covered Services

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Maximums and Deductibles

• Automatically increasing calendar year maximum
• $1,200 1St year, $2,500 2nd year and $3,500 beginning 3rd year
• $1,200 level annual maximum per person
• $100 Lifetime deductible per person that applies to Preventive,

Basic and Major services

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Factors that determine your rate

1. The ZIP code in which you live 2. Coverage type

• Applicant
• Applicant +1
• Applicant + Family
• 3. Plan selection
• Network 3500
• Network 1200
• Choice 3500
• Choice 1200
• 4. Adding the optional vision insurance

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How to Enroll?

Online enrollment is the only way to enroll!

Once appointed you will receive your dedicated link. Your name will populate as the agent for anyone who uses your link and you will receive credit for the sale. Enroll online and choose from plan effective dates of

• Tomorrow or 1st of the month

Monthly payment options available:

• Automatic bank draft from a checking or savings account
• Visa / Master Card
• Initial and monthly premium will be withdrawn within 3 days of your effective date,

subsequent premiums are due on the day of the month in which the policy was effective.

• Plan includes a one-time non-refundable enrollment fee of $25. This charge will be

made at the time of purchase and may appear as a separate

• transaction from your dental insurance.
• 30-day customer satisfaction guarantee

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Distributed by: Direct Benefits | 325 Cedar Street | St. Paul, MN 55101 Underwritten by: Security Life Insurance Company of America | 10901 Red Circle Drive | Minnetonka, MN 55343

This provides a very brief description of some of the important features of this insurance policy. It is not the insurance policy and does not represent it. A full explanation of benefits, exceptions and limitations is contained in the Individual Dental Policy Form IP1000 (and state specifics), or One Life Group Dental Policy that may be issued to the group trust, GH-1112 (and any state specific), Vision Rider IPR1001-PPO (and any state specific), and Vision Rider GHR-1112(Vision) (and any state specific). Premium rates may change upon

• renewal. This policy is renewable at the option of the insured (IP1000) or the

Company (GH-1112). This product may not be available in all states and is subject to individual state regulations.

Important Notice