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Commonly Asked Questions

Q. Suppose more than one broker requests a proposal for the same group, who gets paid?
Q. How long are rates valid?
Q. What if I have a client with offices outside of Rhode Island?
Q. What if my client wants an "out-of-the-ordinary" plan?
Q. Can I sell Voluntary?
Q. Who's Eligible?

Q. Suppose more than one broker requests a proposal for the same group, who gets paid?
A. The broker who produces a Broker of Record Letter up front is given the proposal because the Broker of Record letter is an acknowledgment from the account that they are doing business with only one broker. If there is no broker of record letter, all brokers will be given the same proposal. If one broker provides claims experience, we will develop separate rates for that broker based on the furnished information.

Q. How long are rates valid?
A. Rates quoted are based on the current month's rates when requested and are valid for 30 days.

Q. What if I have a client with offices outside of Rhode Island?
A. If your client has one or more out-of-state employees, you can choose either Delta Dental PPO or Delta Dental Premier and we'll work with you to design the right program for your multi-state prospect to benefit from centralized administration and claims processing. Note that pricing can vary based on location. Your clients can rest assured we'll take care of all the administrative details - from notifying local dentists and Delta Dental Plans about the program, to assisting in employee communications and designing management reports.

Q. What if my client wants an "out-of-the-ordinary" plan?
A. We work with you to respond to your client's needs. Our wide array of plans, complemented by our flexible options, means there is a plan to fit every company, from five employees in a start-up firm to thousands in a multi-state employer. The one thing to keep in mind as you're looking through our plan designs is that we'll work with you to design a plan that fits your client's budget and employee needs.

Q. Can I sell Voluntary?
A. Yes, with some guidelines. Generally, we will write voluntary plans for groups over 200 with 60% participation. However, we will look at each group on a case by case basis; enrollment, plan design, rates and participation requirements will vary according to group size. It can be common for employees to contribute 50, 80 or even 100% of the cost for their benefits. If you have a prospect, call us!

Q. Who's Eligible?
A. Standard Group Participation Requirements range from 100% to 70%, based on group size. These percentages are based on the number of employees who enroll in the plan compared to the number of employees who are eligible to enroll, excluding those employees with other coverage (e.g. spouse's plan, other employer group). Here's a breakdown of participation requirements, based on group size. Please see our underwriting guidelines for more information.