1 tricare retiree dental program uscg retiree council april 27, 2010
TRANSCRIPT
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TRICARE Retiree Dental Program
USCG Retiree CouncilApril 27, 2010
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Why TRDP?
Dental Health Prevention and Early Diagnosis Financial Assistance for Treatment
General Health
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TRPD Contract
TRDP has been offered for over 12 years and Delta Dental of California has been the only administrator
Contract for TRDP Oct 2008- Sep 2013 awarded to Delta Dental of California (Federal Government Programs)
Delivery of care under new contract started October 1, 2008. Now in second year of third contract.
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Enrollment Growth In New Contract
1,088,424
1,217,344
1,080,000
1,100,000
1,120,000
1,140,000
1,160,000
1,180,000
1,200,000
1,220,000
O08
N08
D08
J09
F09
M09
A09
M09
J09
J09
A09
S09
O09
N09
D09
J10
F10
M10
A10
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Goals for TRDP
Improve getting the word out Availability of the program Understanding the program
Continue to increase enrollee satisfaction by continually improving the program
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Outreach to Retirees
To Educate and Assist Potential enrollees - ensure those eligible for
the program are aware that it is available and to help those interested in understanding the program.
Current enrollees - assist those enrolled in the program to understand the program so they can gain maximum value and to answer any questions.
To Learn Hear from enrollees or potential enrollees of
program improvements they would like.
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Outreach Program
Field representatives – events/contacts News letters – email (sign-up)/website Articles Website EOB stuffers Brochures/booklets Associations/Retire Councils/Veterans
Organizations
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Outreach in 2009
Outreach Representatives Installation Visits – 327 Retiree Activities – 251 Special Activities – 72 Phone/Email Contacts - 3,368
Other Paid Advertisements – 54 Articles/Other Presentation – 60+
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The Ideal Dental Plan
All treatment covered at 100% with no associated cost. No Premiums No Co-Payments No Limitations No Exclusions
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Building a Dental Plan
Maximum benefit for minimal out-of-pocket costs (premiums and co-payments)
Out-of-pocket costs dependent on: Employer cost share - zero for TRDP Benefits covered Benefit frequency Co-payments percentages Maximums and deductions Network utilization
Balance
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Balance
Benefit
Cost
ServiceMeet the
Needs
Meet the
Needs
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Building a Dental Plan
Other considerations Coverage for group not just individuals who
require extensive and expensive treatment Assistance for all, meets needs for most Affordable Promotion of prevention and early diagnosis Any program that pays out more than it
receives will not continue
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What are We Hearing?
Why is my dental care not free? Why are premiums higher than the
TRICARE Dental Program? I spend more for premiums that I
would for my dental care without a program.
Why do the premiums go up?
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What are We Hearing?
Why is there a one-year commitment?
Why is there a 12-month waiting period for major services such as crowns and orthodontics?
Why do you only cover two cleaning a year?
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What are We Hearing?
I was not aware there was a dental program for retirees.
I wasn’t aware that as a “gray area” reservists or as a widow I could enroll.
Why don’t you cover former spouses?
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Value
Cost is an issue Cost = Benefit + Service Value
Out-of-Pocket without dental program Out-of-Pocket with dental program Insurance Dental health
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Summary of TRDP
Enrollment growth continues New enrollments continue Retention remains high
Enrollee satisfaction remains high Program improvements ongoing
Outreach Benefits/Service Understanding the program
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Goals for TRDP
Improve getting the word out Availability of the program Understanding the program
Continue to increase enrollee satisfaction by continually improving the program
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Contact
Customer Service – 888-838-8737 Web Site – www.trdp.orgTom McDavid – 916-861-2305 [email protected]