1. Executive Summary

A. Report Objectives

B. Methodology

C. Key Findings

2. Market Overview

A. The Overall Voluntary Dental Market

B. Employer Perspective

C. Employee Perspective

D. Key Competitors

3. Product Details by Carrier

A. Product Structure and Specifics

1. Definition of Voluntary for Dental

2. Most Recent Changes to Voluntary Dental Product

3. Use of Outside Partner/Vendor for Dental Product

4. Product Structure & Platform

5. Dental Plan Type Offered

6. PPO Network Offered

7. Standard Benefit Design

8. Benefit Levels/Coverage Amounts for Most Common Plan

9. Basis of Benefits

10. Summary of Additional Benefits/Treatments

11. Adult Orthodontia

12. Implants

13. Oral Cancer Screening

14. Extra Cleanings for High Risk Individuals

15. Whitening Treatments

16. Other Cosmetic Procedures

17. Posterior Composite Filling

18. Occlusal Night Guards

19. Adult Fluoride

20. Pediatric Essential Health Benefit

21. Tele-dentistry Option

22. Onsite/Mobile Dentist Office Visits

23. Direct-to-Consumer Plastic Teeth Aligners

24. Incentives for Preventive Care

25. Other Optional or Included Benefits

26. Exclusions

B. Maximum Benefit Levels

1. Maximums for each Category

2. Overall Plan Maximum

3. Different Orthodontia Maximum Allowed

4. Takeovers after January 1st

5. Annual Maximum Rollover Provision

C. Coinsurance, Deductibles & Waiting Periods

1. Coinsurance and Annual Deductible Options

2. Lifetime Maximum Deductible

3. Waiting Period Options

4. Late Entrant Waiting Period Options

D. Employee and Employer Options

1. Employee Choice vs. Employer Decisions

2. Continuity of Coverage

3. Multiple Plan Designs Allowed

4. Core/Buy-up Options

E. Underwriting and Enrollment

1. Account-Level Underwriting

2. Plan Selection Guidelines/Criteria

3. Employee-Level Underwriting

4. Participation Requirement Variations by Plan Design

5. Annual Open Enrollment

6. Special Guidelines on Unlimited Maximums

7. Renewal Underwriting

8. Re-Enrollment Options

F. Identification Cards and Claims

1. Dental ID Card Options

2. Dental Claims Problems

3. Average Speed of Claims Payment

4. Real-Time Claims Payment Capabilities

5. Loss Ratio Results

G. Costs and Commissions

1. Structure of Premiums

2. Number of Rate Zones

3. Rate Guarantees

4. Employer-Paid vs. Voluntary Premiums

5. Standard Commissions

4. Product Sales, Results and Future Trends

A. Product Differentiators and Sales

1. Product Differentiators

2. Voluntary Dental Sales for 2024

3. Voluntary Percentage of Total Dental Sales

4. Product Profitability

B. Product Results

1. Average Group Size

2. Average Participation

3. Average Annual Premium per Employee

4. Persistency

5. Takeovers vs New/Virgin Cases

6. Work in Progress and Takeovers

C. Challenges & Future Trends

1. Product Challenges

2. Current and Future Product Trends