Spotlight on Dental – The Need
Mutual of Omaha offers two dental plans* Mutual Dental Preferred℠ and Mutual Dental Protection℠ insurance policies underwritten by Mutual of Omaha Insurance Company. The dental product is now available in all states except Massachusetts and New York.
While this product is positioned for individuals who are Medicare eligible the issue age is 19 – 99 for these policies. For more information and to see rates view the Dental Insurance Product and Rate Guide.
Medicare supplement and Dental Insurance – Better Together
You have a built-in target market. If you are selling Medicare supplement, there are several reasons you should be offering your Medicare clients a dental policy.
Good dental care is important to overall health. But do you know Medicare doesn’t cover dental services? That means dental bills have the potential to take a bite out of people’s savings.
There is a need among individuals age 65 and older for dental insurance**.
- 87% of this group still have their natural teeth
- Due to cost, 1 in 5 of them has untreated tooth decay and fewer than half see a dentist even once a year
- Only 12% have dental insurance
It is an easy sale. If you are taking a Med supp e-App the dental plans are quoted up front and with a few simple questions at the end of the app you can complete a dental sale. Also, all Med supp paper apps have the dental application included in the application book. And with our mobile quote app you can provide your clients a quote on the spot.
Mutual of Omaha offers a multi-policy discount in every state except Washington, Virginia, Colorado and New Mexico when a Mutual of Omaha dental policy is written with a Mutual of Omaha, or its affiliates Medicare supplement policy. A 15% discount on the dental premium will be applied when the dental application is signed between the Med supplement application sign date and 30 days after the Med supp policy issue date. Once we receive state approval for the multi-policy discount in the states listed above, we will send out notification.
Our Dental polices come with extra benefits, such as EyeMed Vision Care, Amplifon Hearing Health Care, and most recently, Mutual Perks.
Sales Materials
You may order marketing materials through normal channels. You can also view/download items on SPA in Forms and Materials under Product Type – Dental.
On Sales Professional Access you can access the Dental e-App, view available marketing materials and more.
Make sure you are providing your Medicare clients insurance for all their health care needs.
If you’re currently not appointed to sell our Dental Product please talk to your marketer.
* Only Dental Preferred available in Alaska.
**Source: Dentistry Advocates Aim to Fill Medicare Gap, Kaiser Health News- March 2017