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Does selling dental insurance make sense for agents who offer Medicare solutions as part of their business? Is it worth their time, and if so, how do they know which plans to recommend? Do Medicare clients even need this kind of coverage, and are there plans designed specifically for seniors? This blog helps answer these questions and more.
Are you looking for sales opportunities you can easily implement into your Medicare solutions insurance practice? Cross-selling dental insurance is a great solution. Why? Because Medicare does not cover most dental procedures. Also, Medicare Supplement plans don’t offer this coverage, and neither do all Medicare Advantage plans.
By cross-selling dental insurance to your Medicare solutions client base, you can:
- Increase their overall protection by introducing suitable dental coverage into their portfolio
- Improve their overall health
- Increase profitability for your practice through additional sales
But there are so many dental insurance plans available — each with unique features and benefits. How do you know which plans should be presented to which clients?
Fortunately, there is a dental quoting tool available that can differentiate you from your competition and help ensure your clients are getting dental protection that meets their needs and budget. Discover how using QuoteDental.com can revolutionize your dental insurance sales by simplifying plan comparison and enhancing agent productivity.
The Challenges of Selling Dental Insurance
Selling dental insurance presents unique challenges that can often deter agents from pursuing this line of business. One of the primary obstacles is the complexity involved in determining which plan is most suitable for a client's specific needs and budget. Clients are frequently left indecisive due to the myriad of variables that must be considered.
From expected out-of-pocket costs to in-network versus out-of-network expenses, the details can be overwhelming. Moreover, the size of a plan’s network and the convenience of locating participating dental offices add further complications. Without a clear recommendation, clients are often unable to make informed decisions, resulting in lost sales opportunities.
How QuoteDental.com Simplifies the Dental Plan Comparison Process
Enter QuoteDental.com, a groundbreaking tool designed to eliminate the guesswork and provide clarity. By offering a side-by-side comparison of dental plans, QuoteDental.com enables agents to present clear, concise options to their clients. This tool addresses the common pain points of dental insurance sales, making it easier for agents to recommend plans that offer the best value based on the client's specific dental health needs.
The ability to run side-by-side comparisons of all participating dental carriers allows agents to showcase expected cash out-of-pocket, total costs in or out of network, and coverage over time. This detailed analysis empowers clients to make informed decisions quickly and confidently.
Key Features of QuoteDental.com
QuoteDental.com is packed with features that streamline the dental insurance sales process:
- Run side-by-side comparisons of all participating dental carriers
- Show expected cash out of pocket
- Discover the total cost in or out of network
- Compare coverage over time
- Easily locate in-network dentists
- Enroll clients from the quote results page via an enrollment hyperlink or Personalized Uniform Resource Locator (PURL)
- Quickly register, run quotes and get analysis
- Results can be easily converted to pdf format, printed out and given to the client or kept for your records
Increasing Sales Potential with QuoteDental.com
Selling dental insurance case by case can be time-consuming and less lucrative. Profitability in this sector is often driven by volume, and QuoteDental.com creates the opportunity to scale your sales efforts efficiently. By providing a clear, detailed comparison of plans, agents can close sales more effectively and increase their overall sales volume.
The clarity and ease of use offered by QuoteDental.com make it a game-changer for agents looking to expand their dental insurance business. With this tool, agents can present clients with tailored recommendations that meet their unique needs, thereby enhancing client satisfaction and loyalty.
Streamlining the Enrollment Process
One of the standout features of QuoteDental.com is its seamless enrollment process. Once a client is ready to proceed, agents can enroll them directly from the quote results page. This integration not only saves time but also reduces the likelihood of errors that can occur during manual data entry.
The tool also supports the generation of personalized enrollment links, making it easier for clients to complete the enrollment process on their own time. This flexibility is particularly beneficial for tech-savvy clients who prefer a self-service option.
Where Can You Get QuoteDental.com and How Much Does It Cost?
QuoteDental.com is available at no charge, exclusively from Senior Market Sales® (SMS). The exclusive nature of this tool means that agents who utilize it will experience a differentiating factor in their business.
To get started with QuoteDental.com and other valuable tools offered by SMS, reach out to a marketing consultant at 1.866.909.3237, or complete the form below. With SMS, agents are better positioned to grow their business, leverage technology and achieve greater success in the competitive insurance market.
Is There a Dental Plan Specifically Designed To Meet the Needs of Medicare Clients?
QuoteDental.com is a great way to narrow down the plans to offer Medicare clients and seniors. But is there a plan specifically built for that market? There is. This plan is called ProtectorPlus Dental, a non-age-banded product underwritten by Ameritas and available through SMS. This senior-centric dental insurance plan offers some unique highlights, including:
- No waiting period for preventive, basic and major services1
- The fact that it is underwritten by industry-giant Ameritas
- One of the largest networks in the nation with in-network dentists charging 25-50% below regular rates
- No age bands
- Credit for prior coverage benefit works well for retirees coming off of group plans2
To start offering this senior-market dental insurance product to your clients, contact an SMS marketing consultant at 1.866.909.3237. They’d be happy to help you get contracted.
Why Choose SMS
SMS is a leading field marketing organization (FMO) with more than 40 years of success in helping agents grow their health and wealth insurance practices. We empower independent agents to save time, earn more and excel in their business through a complete product portfolio, comprehensive support services and a dedicated team of licensed marketing consultants.
1In most states.
2To receive credit for prior coverage, previous coverage must have been in force for at least 12 consecutive months with no greater than a two-month break in coverage prior to the new plan’s effective date. Also, dental health maintenance organization, discount and Medicare Advantage reimbursement plans are not eligible. For additional stipulations, please speak with an SMS marketing consultant at 1.866.909.3237.
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