How to Sell Dental Insurance: A Comprehensive Guide

Dental insurance is a critical component of the insurance industry. It’s essential to help clients protect their oral health while ensuring financial peace of mind. This comprehensive guide will delve into how to sell dental insurance, the benefits of self-funded health plans, and how Health In Tech can streamline your dental insurance selling process while keeping your clients happier. 

Dental Insurance Breakdown

When considering how to sell dental insurance, it’s imperative to understand the different types of plans available, including Traditional Dental Insurance, Dental Health Maintenance Organizations (DHMOs), Preferred Provider Organizations (PPOs), and Dental Savings Plans. Each type has unique features and benefits, making matching the right plan for your client’s needs essential. Remember, no two clients are the same, so finding individual plans for everyone will bring you more success than trying to fit everyone into the same plan structure. 

Understanding The Dental Insurance Market

To be a successful dental insurance broker, you need to be aware of market trends, target demographics, your competition and be able to provide various options (which is very accessible through our eDIYBS platform). We’ll provide insights into the current dental insurance market, helping you identify emerging products and opportunities. 

Evolving Dental Insurance Trends

The trends within the dental insurance landscape are constantly shifting, so it’s important to stay current with the latest ones. Below are some of the top ones that we are noticing at the start of the year. 

Preventative Care Emphasis

Dental insurance providers increasingly emphasize preventive care, including regular check-ups and cleanings. With more people wanting routine and preventative maintenance, finding a plan that allows that rather than sets an unnecessary cap on services is essential. 

Customized Coverage

Consumers are also looking for personalized plans, making self-funded a great option (more on that below). 

Transparency and Consumer Education

Clients are also seeking transparency within their health insurance policies. Providing clear information about coverage, costs, benefits, and restrictions is growing in importance. Insurance brokers who excel in educating clients will be in high demand. Click here to learn more about how to effectively translate insurance contracts to clients and here to learn more about how to articulate plan advantages to clients

Benefits of Health In Tech’s Dental Coverage

Now that we’ve covered some dental insurance basics, we can dive into why Health In Tech’s dental insurance is the best option when considering how to sell dental insurance. Our plan provides coverage that meets the unique needs of each employer and empowers employees to prioritize their oral health. Rather than traditional plans that cover around 40-55%, our plans cover 60-70%, ensuring more substantial support for their oral health. Keep reading to learn more about the Health In Tech dental insurance benefits. 

Patient-Centered Care

Unlike traditional plans, Health In Tech’s dental plans do not dictate plan options. Everyone’s oral needs are different, and we understand that conventional plans don’t take that into consideration. At Health In Tech, we trust dentists to use their expertise and provide the necessary care to patients. When considering how to sell dental insurance, it shouldn’t just be about signing clients up but instead finding them the plan best suited for their needs. 

Reduced Administrative Fees

In addition to patient-focused care, at Health In Tech, we are committed to maximizing the value of dental coverage. We have reduced administrative costs and a self-funding approach to ensure more dollars are available for dental expenses, more significant financial support, and a better dental benefits package overall. Our plans are, therefore, more comprehensive, affordable, and accessible than those of our competitors. 

The Self-Funded Health Insurance Advantage

Part of understanding how to sell dental insurance is highlighting the benefits of self-funded health insurance. These plans allow covered individuals to take control of their oral health and receive the care they need without all the complications. Additional benefits of self-funded dental insurance include but are not limited to: 

  • Exempt from state insurance
  • Not subject to ACA and state premium taxes
  • Overage fees average 6% in self-funded versus 15-22% on insured plans
  • The remaining funds belong to the employer and not an insurer 

Additionally, self-funded plans allow covered individuals to use any dentist, there is no cap on the frequency of care, and all procedures are covered at the same percentage. When you are working on how to sell dental insurance to clients, be sure to highlight the numerous advantages of self-funded plans. Click here to learn more about the various benefits this type of insurance provides to employees and employers. 

How to Enroll Clients with Health In Tech

Our ancillary products have made creating a comprehensive health plan much easier. By following the following steps, employers can discover options that align with their needs and budget rather than traditional plans. 

How to enroll clients with HIT infographic

If you are currently working on how to sell dental insurance and would like your Health In Tech quote, click here. The process takes two minutes and will provide 12 plans with 4-tier rates to empower clients with full autonomy to design a plan that works best for them rather than trying to fit in with a traditional plan. 

Perfect How to Sell Dental Insurance and More with Health In Tech

Health In Tech proudly serves brokers, TPAs, employers, insurers, and members and providers of self-funded health plans that are fully customizable to meet the unique needs of individuals. Take advantage of all the benefits health insurance can provide and eliminate unnecessary fees, treatments that aren’t covered, and a one-size-fits-all approach. From how to sell dental insurance to various ancillary products, our HiCard network, the eDIBYS platform, and more, Health In Tech is here to provide the best health insurance plan for you. Contact us today to get started! 

If you want to learn more about the benefits of self-funded healthcare, the impact of AI on the industry, how to revolutionize your underwriting, and more, visit our resources page

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