A new portfolio of Independence Blue Cross (IBC) Dental and Vision Care plans for adults (aged 19 and older) featuring low out-of-pocket costs and access to a large network of providers will be available for sale online, by phone, and by mail on April 30, 2014, for June 1 effective dates.
Offering your individual customers Specialty Services products like Adult Dental and Vision Care emphasizes customer choice and helps give members the protection they need by protecting one of their most valuable assets - wellness.
15% discount on Bundled Dental and Vision
IBC offers two Dental PPO plans and two Vision Care PPO plans. Individuals can purchase a dental plan or a vision plan separately, or select bundled dental and vision plans and receive a 15 percent discount on their Vision monthly premium.
Individuals can choose from the following options:
Vision Care PPO plans:
- Adult Vision Care 100
- Adult Vision Care 180
Dental PPO plans
- Adult Plus Dental
- Adult Prime Dental
Bundled options
- Adult Plus Dental and Adult Vision Care 100
- Adult Plus Dental and Adult Vision Care 180
- Adult Prime Dental and Adult Vision Care 180
For more detailed information about the Adult Dental and Vision Care plans, please read the Benefits at a Glance brochure.
Commissions
Commissions are paid to Producers as a percentage of premium. Primary Agents will receive 0.5 percent of premium, while Producers will earn 2.5 percent of premium.
Commissions will be paid on the full premium amount, even if the member receives a discount on their vision premium. Producers will receive only their own commission information, and not commission information for Primary Agents.
Review the Commissions Flyer for more details.
How to determine rates
Individuals can purchase Adult Dental and Vision Care plans at any time throughout the year, even if they don't have medical insurance with IBC, and their effective date will be the first of the following month. For example, if a member purchases a Vision Care plan on June 15, then the plan's effective date will be on July 1.
Contracts for Adult Dental and Vision Care are effective for 12 months, regardless of the date of purchase. For example, if an individual purchases a dental plan for an effective date of April 1, 2014, the member will keep that rate through March 31, 2015, even if the rate changes on January 1, 2015.
Read the rate sheet to determine the monthly premium rate for your customer.
How individuals apply and pay monthly premium
Individuals can apply for a Dental and/or Vision Care plan directly or through their Producer in one of three ways:
- Online. Complete the online application and payment information forms directly on ibx4you.com or through their Producer via the IBC Individual Retail Platform (available on ROAM).
- By phone (for individuals only). Individuals can call 1-844-762-2140 to speak with a licensed sales representative.
- By mail. Fill out the Application for Adult Dental and/or Vision Individual Coverage included in individual health plan kits.
To ensure prompt and accurate processing of applications and commissions, Producers are encouraged to utilize the online option (IBC Individual Retail platform).
Read the How to apply and pay flyer for more information.
How members will be billed
Since dental and vision coverage are provided through separate contracts, members will receive separate invoices for dental and vision coverage - even if they decide to purchase a bundle. If they also have medical coverage with IBC, they will receive a separate invoice. As such, a member with medical, dental and vision coverage will receive three separate invoices.
What members can expect once they are enrolled.
Sales tools
Use these marketing materials to help you sell IBC Dental and Vision Care plans.
Benefits at a Glance Brochure
Rate Sheet
How to apply and pay flyer
Primary Agent Commission Sheet
Training tools
2014 PA Individual Adult Dental & Vision Plans (Training Deck)