ICYMI: A New Chapter for Beam

We’re following up on our recent communication about the Beam Perks* program to make sure you're in the loop about the upcoming changes. 

After careful consideration, we’ve decided to end the Perks program and distribution of our smart toothbrush and other physical dental items. The Perks program will conclude May 2025. While this was not an easy choice, it reflects Beam’s commitment to focusing on initiatives that deliver greater value to you and your clients.

Here are the key reasons for this change:

• Declining Participation: Only 4% of members¹ have enrolled in Perks, and participation has been low and is decreasing.
• Rising Costs: The program’s rising costs have made it unsustainable in the long term.
• Redirecting Resources: We’re shifting our focus to initiatives that better align with the evolving needs of our members and provide more meaningful value.

What this means for you and your groups:

• Eligibility for Perks in 2025:
• Groups with January–March 2025 effective dates will continue to have access to Perks as usual, regardless of the quote date.
• Groups with April 2025 and later effective dates will only receive access to Perks if they were quoted before December 19, 2024.
• Impact on Members Who Received Perks:
• Members who have already received Perks items, such as brushes or Beam Shop purchases, can continue to use them without interruption.
• No new Perks items will be delivered after May 2025.
• Support for Brokers and Groups:
• We’ve created a broker FAQ to answer common questions and help communicate with your groups. This lives in the Broker Resource Center. 
• Group admins and members will receive direct updates starting this month.

Beam’s Ongoing Value:
Even as we close the Perks program, Beam remains committed to providing exceptional value to you and your clients. Here’s how:

• Rich Dental Benefits: No waiting periods, no missing tooth clauses, implant coverage, and comprehensive coverage for preventive, basic, and major services.
• Easy-to-Use Tools: The Beam Quoting Tool^, BeamElect**, and BeamSign make enrollment and administration seamless for brokers and groups.
• Member Resources: The Beam app and portal help members find in-network dentists, track claims, and find detailed plan information.
• Streamlined Processes: With consolidated billing and fast claims processing, managing benefits is simple and efficient.
• Comprehensive Offerings: Beam is a one-stop shop for ancillary benefits, making benefits management easier.

Anticipated Questions:
Q: Will my group still get brushes or Perks in 2025?
A: Yes, if your group has a January–March 2025 effective date or was quoted before December 19, 2024 (for April and later effective dates).

Q: Is Beam replacing Perks with another program?
A: Our current priority is continuing to enhance our benefits products to make sure they offer the richest value, the best member experience, and the most seamless integration for brokers and clients. By focusing on making our products the best they can be, we’re creating solutions that deliver long-term impact and satisfaction. 

Q: Does this mean Beam is in trouble?
A: Not at all. Beam is evolving to focus on what will provide the most value for members, brokers, and groups. This change allows us to reinvest resources into strengthening our benefits and tools for an even better experience moving forward.

Q: Will Beam still offer value without Perks?
A: Absolutely! Beam’s exceptional ancillary benefits, innovative technology, and streamlined processes ensure a superior experience for brokers, groups, and members.

Q: How can I get more details about the changes?
A: Please visit our FAQ page or reach out to your Beam representative.

What’s next:
We’ll follow up with additional details soon, including communications that will be sent to your groups and members. If you have any questions or suggestions, we’d love to hear from you. Feel free to contact your Beam sales representative or email brokers@beambenefits.com.

Thank you for your continued partnership. We’re excited about the opportunities ahead and look forward to delivering even more value in the future!

Beam Benefits

*Beam Perks™ is provided by Beam Perks LLC. Eligible members age four and up at the time of enrollment are eligible to receive Beam Perks™ and must select their Beam Brush color within 45 days of enrollment to participate. If you do not have a mobile device, you can obtain Beam Perks™ by contacting Customer Operations at 1-800-648-1179. Beam Perks™ can be obtained separately without the purchase of an insurance product by visiting perks.beambenefits.com. Beam Perks™ may be changed at any time without notice and is subject to availability. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for Terms and Conditions.

¹Based on internal Beam data of member perks enrollments (Jan - Oct 2024)

^Use of the Digital Quoting Tool is not currently available in all states and is contingent upon the Broker's proper appointment and licensure.

**Not yet available in AZ, NM, and VA and does not yet support disability coverage.

Dental and vision insurance products underwritten by National Guardian Life Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). Group dental policy form number NDNGRP 2020 and group vision policy form number NVIGRP 2020. Dental and vision products are underwritten by Nationwide Life Insurance Company, Columbus, OH, in NY, DE, ID, LA, UT, OH, TX, NM, NH, NC, and NV (vision only). Dental coverage applies to policy form GDTL AO L20, or state equivalent, and vision policy form GVIS AO L20, or state equivalent. Dental and vision products are administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products are administered by Vision Service Plan Insurance Company.  Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA), and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Life and AD&D coverage is applicable to policy form GLIF AO L20 or state equivalent.  Life products are not available to members living in Puerto Rico, and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA), and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not available in all states.

National Guardian Life Insurance Company, Madison, WI, is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.

Nationwide and Beam Insurance Services LLC are separate and non-affiliated companies.

National Guardian Life Insurance Company, Two East Gilman, Madison, Wisconsin 53703

Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215

Vision Service Plan Insurance Company, 3333 Quality Drive Rancho Cordova, CA 95670

Short-term disability and long-term disability insurance products are underwritten by Hartford Life and Accident Insurance Company and marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA).

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