While acknowledging that most of the plans have waiting periods and some other limitations, he also notes that most of them cover pre-existing conditions. Therefore, there's no need for the applicant to furnish a statement about his or her past or current dental situation. Concerning group dental plans, they traditionally offer a low or disappearing deductible, he notes. They also often include orthodontia as an additional benefit and feature. So, group dental also represents a waiting marketplace.
Most employers spend more than that daily on their copy machine.
So, with certainty, individual and group dental represents a marketing cavity waiting to be filled by enterprising, forward-looking, multiple line agencies. Established brokers and agents have a natural prospecting base for this product because so many of their group clients don't have vision care benefits. What is relatively new on the vision care front is the growing realization that employees and their dependents have a critical need for vision care. Related, as organizations reduce many primary benefits, they are discovering that vision care is a needed, low-cost, ancillary benefit that is ideal to present to employers and affinity groups, and uniquely fits the PPO concept. And that's where organizations such as Disser's enter the picture.