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The NetMinder Blog

Now there's even a website to help you comparison shop dental and vision plans

Posted by NetMinder -Ignition Group on Mon, Jan 17, 2011

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Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

Is the dental HMO (DHMO) making a comeback?

Posted by NetMinder -Ignition Group on Mon, Jan 17, 2011

Most of the conversation over the last few years has been about dental PPO networks, however, the DHMO doesn't appear to be dead yet. After declining slightly in 2008, DHMO networks grew 4% and 6% in 2009 and 2010 respectively (Source: NetMinder, Top 10 DHMO networks). 

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While the National Association of Dental Plans (NADP) reports that dental HMO (DHMO) products continue to decline in market share (Source: NADP 2010 Dental Benefits Enrollment Report), network growth, along with new players entering the market, is also a good sign for a product's lifecycle. The attached release shows that Lincoln Financial Group is leveraging networks from Dental Benefit Providers (CA), Solstice Benefits, (FL), and National Pacific Dental (TX) to enter the DHMO market. 

Given the effects of the ongoing recession, the lower price points of DHMO coverage may be a more pocketbook-friendly alternative.

Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

OK, it's not the People's Choice Awards...

Posted by NetMinder -Ignition Group on Thu, Dec 23, 2010

 

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...but Benefits Selling 2010 Readers' Choice Awards has quite a few interesting tidbits.  Best dental and vision carriers, best group medical coverage, carriers that work best with brokers, and more.  Click here to check it out.       

Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

One option for managing through health care reform

Posted by NetMinder -Ignition Group on Thu, Dec 23, 2010

In a possible sign of things to come in the wake of health care reform, Principal Financial turns health market over to United Healthcare - Articles - Employee Benefit News.

Update: Guardian also plans to exit medical market and focus on ancillary / non-medical lines.

Guardian to drop health insurance - Articles - Employee Benefit Adviser

Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

The plot thickens: VA court decision sets stage for health reform Supreme Court battle

Posted by NetMinder -Ignition Group on Thu, Dec 23, 2010

 

 

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Just when you thought it was safe to implement health care report changes...

Va. court decision sets stage for health reform Supreme Court battle - Articles - Employee Benefit Adviser.

Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

Consumer-Directed Plans Surge as Employers Try to Control Costs

Posted by NetMinder -Ignition Group on Thu, Dec 23, 2010

As a small employer (4 employees), my choices for health coverage are either a small group plan or an individual plan.  I've found that small group plans, with their guarantee issue requirements and limited medical underwriting, carry quite a bit of sticker shock.  Individual plans, on the other hand, while still quite expensive, are less expensive than small group coverage.  And high-deductible, consumer-driven individual plans look like the best "bargain" for me and my family.  This article supports the fact that CDHP are a good deal for both employees and employers.  Read on and let me know what you think.

Consumer-Directed Plans Surge as Employers Try to Control Costs.

Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

New MetLife study relevant for ancillary benefits suppliers

Posted by NetMinder -Ignition Group on Wed, Aug 11, 2010

MetLife’s 8th annual “Study of Employee Benefits Trends” (www.whymetlife.com//resources.asp) points out that there are big expectations for small businesses to fuel the economy. Retaining top talent and increasing job satisfaction become more important than ever.  While 43% of employees cite benefits as an important reason for remaining with their employers, surprisingly health coverage may become “less of a differentiator”, and benefits like dental and life insurance will likely play an increasing role.  I found the study to be very interesting for anyone in the ancillary benefits space.  Let me know what you think.

Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

Vision benefits role in health care reform

Posted by NetMinder -Ignition Group on Wed, Aug 11, 2010

Health care reform is confusing for those involved in the health insurance industry.  The picture is even blurrier for those in the ancillary benefits space.  Read about the vision benefits industry's efforts to get their message out in the post-reform enviroment.

Sight unseen - Articles - Employee Benefit News.

Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

Physicians turn to online communications

Posted by NetMinder -Ignition Group on Tue, Jun 29, 2010

As a provider of a cloud computing application (in the old days we called this a "hosted application"), I can certainly appreciate the benefit of such a service for physicians.  It sounds like they're starting to see the benefits as well.

Physicians Turn to Online Communications.

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Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

From an insurance perspective, the teeth are not attached to the rest of the body

Posted by NetMinder -Ignition Group on Tue, Jun 15, 2010

According to a study just released by the National Center for Health Statistics, approximately 45 million persons had no dental coverage.   Among the 172 million people under 65 who already have private health insurance, nearly three-quarters have dental insurance too, mostly through an employer.  About 8 out of 10 persons with employment-based private health insurance had dental coverage compared with about 3 out of 10 persons with directly purchased insurance. 

The big question is, what will be the impact of health care reform on dental coverage?  The short answer is - very different than medical coverage.  For example, adults must buy health insurance or pay a fine starting in 2014. The law does not require them to buy other types of coverage like dental or vision, although some comprehensive health care plans include the additional coverage. While health plans must cover at minimum services like emergency care and prescription drugs, and are required to cover children, they do not have to cover oral care for adults.

What's your take on why different parts of your body are treated differently from an insurance perspective?

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Link to a good summary of the study:
http://www.reuters.com/article/idUSTRE6584F820100609

Link to the complete study:
http://www.cdc.gov/nchs/data/databriefs/db40.htm#

Tags: Healthcare, Healthcare, Economy, Medical, Medical, Vision, dental

 

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