Agenda - 09-11-2012 - 2 - Laserfiche WebLink

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13 DENTAL INSURANCE The County provides a self-insured dental plan through Delta Dental of North Carolina. The County pays all costs for employee coverage (claims and an administrative fee to Delta Dental). Dental claims are now all paid according Delta Dental's standard reimbursement rates. Previously, the County paid claims according to a unique Orange County Table of Allowances that was often confusing to employees and their providers. Beginning in 2009 until 2012, the County gradually increased its reimbursement levels for services with the goal of matching the Delta Dental maximum payable rates. Accomplishing this has led to significantly less confusion and greater satisfaction with the dental coverage. These changes have reduced employees' out of pocket dental expenses. Employees can also manage their dental costs by using providers within the Delta Dental Premier network and can achieve greater savings with the PPO Plus Premier networks. Employee Dental Insurance is budgeted as part of departmental personnel costs. The $24.30 charge includes a monthly administrative fee of $2.80/month per employee and a projected premium to cover claims. Employees pay the full cost of any dependent coverage. At the end of FY 2011-12, the dental plan's fund balance was approximately $199,000. Although the increased reimbursements effective January 2012 were expected to increase claims by $40,000-$45,000 over a 12 month period, the claims actually decreased by $10,000 in the first seven months of 2012. There were fewer charges for oral surgery and exams/cleanings in 2012 and membership in the dental plan decreased by 124 participants compared to the first seven months of 2011. No changes to the Dental Plan are being considered for calendar year 2013. A - 11