Multi-State Client Benefit Solution

Group benefits brokers are asked to help their group clients solve difficult employee benefits challenges.  Brokers do a great a job helping protect their clients and employees, especially when they have the right employee benefits solutions.  SecureCare provides the dental, vision, life and disability solutions brokers need to help solve employee benefits challenges. 

Here's a look at an actual successful SecureCare multi-state, multi-national dental benefits solution.

Important Note: The Copay Plan is a fully-insured dental PPO MAC with no Annual Maximum. The Copay Plan is not a discount or DHMO plan.  

As a result, The Copay Plan also uses SecureCare's National and Mexico Dental Network.  Members are not assigned to a dental office and can see contracted provider in the U.S. and Mexico.

Client Challenge

The group, located in four (4) states, had five different dental plans, multiple premium bills and several enrollment processes. It was an enrollment, billing and benefits headache to enroll and administer.

In addition, the group's Spanish speaking employees needed a US-Mexico dental network to increase access to high-quality, Spanish speaking dental providers.  

Prior to SecureCare, this employer group’s dental benefits included a PPO and four DHMOs; a different one for each of the four states where the employer was operating. Because DHMOs cannot cross state lines, the group's current benefits needed a different DHMO plan for the four states. 

Simplified Benefits Solution

At the request of the group's broker, SecureCare provided a streamlined dental benefits solution with one enrollment platform, one premium bill and one premium payment and one point of contact. 

The solution also improved the employees’ benefits. Instead of one PPO and four DHMOs, we installed two comprehensive dental insurance plans that improved coverage: The PPO Plan UCR and The Copay Plan (a PPO MAC).