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TRICARE Retiree Dental Program

USCG Retiree CouncilApril 27, 2010

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Why TRDP?

Dental Health Prevention and Early Diagnosis Financial Assistance for Treatment

General Health

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TRPD Contract

TRDP has been offered for over 12 years and Delta Dental of California has been the only administrator

Contract for TRDP Oct 2008- Sep 2013 awarded to Delta Dental of California (Federal Government Programs)

Delivery of care under new contract started October 1, 2008. Now in second year of third contract.

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Enrollment Growth In New Contract

1,088,424

1,217,344

1,080,000

1,100,000

1,120,000

1,140,000

1,160,000

1,180,000

1,200,000

1,220,000

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Goals for TRDP

Improve getting the word out Availability of the program Understanding the program

Continue to increase enrollee satisfaction by continually improving the program

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Outreach to Retirees

To Educate and Assist Potential enrollees - ensure those eligible for

the program are aware that it is available and to help those interested in understanding the program.

Current enrollees - assist those enrolled in the program to understand the program so they can gain maximum value and to answer any questions.

To Learn Hear from enrollees or potential enrollees of

program improvements they would like.

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Outreach Program

Field representatives – events/contacts News letters – email (sign-up)/website Articles Website EOB stuffers Brochures/booklets Associations/Retire Councils/Veterans

Organizations

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Outreach in 2009

Outreach Representatives Installation Visits – 327 Retiree Activities – 251 Special Activities – 72 Phone/Email Contacts - 3,368

Other Paid Advertisements – 54 Articles/Other Presentation – 60+

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The Ideal Dental Plan

All treatment covered at 100% with no associated cost. No Premiums No Co-Payments No Limitations No Exclusions

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Building a Dental Plan

Maximum benefit for minimal out-of-pocket costs (premiums and co-payments)

Out-of-pocket costs dependent on: Employer cost share - zero for TRDP Benefits covered Benefit frequency Co-payments percentages Maximums and deductions Network utilization

Balance

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Balance

Benefit

Cost

ServiceMeet the

Needs

Meet the

Needs

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Building a Dental Plan

Other considerations Coverage for group not just individuals who

require extensive and expensive treatment Assistance for all, meets needs for most Affordable Promotion of prevention and early diagnosis Any program that pays out more than it

receives will not continue

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What are We Hearing?

Why is my dental care not free? Why are premiums higher than the

TRICARE Dental Program? I spend more for premiums that I

would for my dental care without a program.

Why do the premiums go up?

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What are We Hearing?

Why is there a one-year commitment?

Why is there a 12-month waiting period for major services such as crowns and orthodontics?

Why do you only cover two cleaning a year?

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What are We Hearing?

I was not aware there was a dental program for retirees.

I wasn’t aware that as a “gray area” reservists or as a widow I could enroll.

Why don’t you cover former spouses?

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Value

Cost is an issue Cost = Benefit + Service Value

Out-of-Pocket without dental program Out-of-Pocket with dental program Insurance Dental health

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Summary of TRDP

Enrollment growth continues New enrollments continue Retention remains high

Enrollee satisfaction remains high Program improvements ongoing

Outreach Benefits/Service Understanding the program

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Goals for TRDP

Improve getting the word out Availability of the program Understanding the program

Continue to increase enrollee satisfaction by continually improving the program

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Contact

Customer Service – 888-838-8737 Web Site – www.trdp.orgTom McDavid – 916-861-2305 tmcdavid@delta.org