Areas of Practice Plan Analyzer Plan Finder Industry Info Contact

Back to Ben Schechter Consultants Inc. Homepage


Our mission is to promote value and appropriateness of care.

DHMO Indemnity PPO/IPA
Indemnity

Enter the relative weights of each section as a percent of the total. Use the tab key to move to the next weight.

Accountability

%

Availability/Accessibility

%

Cost

%

Total


%

Answer each question by placing a check for a positive response.

Accountability

Response

Indicator

You received fewer than 2 complaints per 100 employees per month last quarter.

You have been asked to fill out a service questionnaire within the past 12 months.

Your account executive has been readily accessible to address questions and issues that arise.

You receive regular reports on the status of your employee’s grievances.

You have received the results of satisfaction surveys within the past 12 months.

Your vendor guarantees performance by agreeing to return a percentage of premium if standards are not met for:

       Customer service

       Claims processing

Your agreement allows you to audit the plan at least annually.

You have seen vendor’s written quality standards.

Upon termination of the contract, your agreement obligates vendor to provide historical service data to the new vendor.

Vendor places at least 10% of premium at risk to guarantee performance.

Availability/Accessibility

Response

Indicator

A live or automated system allows dentists to verify eligibility at least Monday through Saturday during normal business hours.

You are able to obtain claims status, past claims information and eligibility by making a single call to a customer service representative.

Vendor maintains a toll free telephone number for member services.

Dentists are able to speak with dental consultants about their cases.

Eligibility for all time limited services (example: dentures made almost 5 years ago) is immediately available by calling a customer services representative.

Cost

Response

Indicator

Premiums or care cost increases over the past 3 years have averaged less than 10%.

Vendor has agreed to pay part of the cost of an annual independent audit

At lease 84% for insured plans, or 90% for ASO plans of all money spent by the plan sponsor goes directly for dental treatment.

The administrator reduces payment for gum treatments that involve fewer teeth than usual.

Unless mandated by labor-management agreement, the UCR or schedule of benefits is no higher than the 80th percentile of charges.

If a dentist places two 2-surface fillings on a single tooth on the same day, the system would pay only for one 3-surface filling.

You have a 2 or more year fixed rate contract.

The vendor/administrator reports savings from:

       Consultant review

       Coordination of benefits

       Re-bundling unbundled services

       # of services by ADA code or category of service

       Unbundling

© 1999, 2000 Ben Schechter Consultants, Inc. Disclaimer and Terms of Use