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2008 Dental Survey
Welcome to Part II of California Broker’s 2008 Dental Survey. We’ve asked the top dental providers in California to answer 28 crucial questions to better help you, the agent, understand their benefits, features, and services.
12. What percentage of your network is closed to new enrollment? How many offices does this represent?
13. Do all of your contracted offices accept every benefit level sold by your company or do they have the option to pick and choose only the programs with co-payments they want to accept?
14. Do you have a way to monitor the length of time patients have to wait in the doctor’s office?
Get the answers....
Term Survey—An Overview of the State's Term Insurance Market
1. What percentage of the cases you underwrote last year were issued at your top two preferred non-smoker classes?
2. What percentage of the cases you underwrote last year were issued at your top two standard nonsmoker classes?
Get the answers....
HSA Survey—HSAs role in
the California Marketplace
1. What are the primary services you offer as part of your HSA product?
2. Do you offer an HSA-qualifying high deductible health insurance plan?
Get the answers....
HMO Survey—HMO Services
and Pratices Statewide.
1. Do you guarantee a time limit on getting referral/treatment routine, urgent, emergency? If not, how many days does it take?
2. Do you have any conditions/diagnoses/symptoms that are referred automatically?
Get the answers...
PPO Survey—PPOs in California answer direct questions about their plans.
1. Is an approval procedure required for getting a specialist referral or a diagnostic test or treatment in-network or out-of-network?
2. Are there any restrictions on getting second opinions from an in-network provider or an out-of-network provider?
Get the answers....
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 HEALTHCARE
• Health Savings
Accounts
• 401(k)
• Employers Face
Healthcare Cost
Increases
• Consumers Staying
Away from Doctors
• Safety Net
Providers Seek
Higher-Paying Patients
FINANCIAL
PLANNING
• Senior Finance
Execs See 401(k)
Plans Linked to
Corporate Success
IN CALIFORNIA
• NAIFA Show in
September
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ANNUITIES
• Carriers Want Time to
Comment on Controversial
Proposed Rule
NEW PRODUCTS
• Health Benefits for
Private Staff
• Benefit E-mails
• Affordable Term Life
Insurance Protection
• Wireless Enrollment
• Kit Explaining Life
Insurance and
Estate Planning
• NAIFA Show in September
EMPLOYEE BENEFITS
• Benefit Benchmarking
Tool Reveals
Surprising Findings
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August 2008
Dental Survey Part II
Getting a Handle on Reverse Mortgages
Feeling at Home in
a New Market
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Also Inside:
• View From the Top
• Ethnic Marketing
• HSAs
• Vision
• Life Settlements
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Putting It All Together
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By Kate Kinkade, CLU, ChFC
A perusal of California Broker news items highlights the challenge California is facing with the rest of the country when it comes to healthcare. Putting the items together provides a daunting picture:
Click Here for More.
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Would You Like to See Your Name & Company in Print?
Submit an Article Query to California Broker!
We are always interested in well-presented information on life, health and financial planning topics. Specifically, we're seeking professionals with expertise in the following areas: All Life and Health Insurance issues, Products, Annuities (TSAs, SPDAs, ETC.), TPAs, Individual Health, Continuing Education, Long-Term Care, Dental, Internet Issues. If you have a specific idea or if you would like us to consider a general topic, please e-mail a one-paragraph query to:
Leila Morris, Editor's California Broker/McGee Publishers
E-mail: editor@calbrokermag.com
Phone: 800-675-7593 ext. 12
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If you have any questions or would like to see any other surveys, please e-mail to Leila Morris or call her directly at: 800-675-7563.
Email: edit@calbrokermag.com
We are happy to hear back from you with any comments.
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