Are these Power Package products available to companies elsewhere?
Power Package partners continue to collaborate with key Chambers interested in offering choice to their membership. The Power Package is currently available through the following chambers:
Can I buy only medical coverage?
You can mix and match the lines of coverage you desire. If you want just medical—check out the numerous HAP PPO or HMO plan options. If you’re looking for medical and dental—you can choose options from both Delta Dental and HAP. Interested in just what AAA offers? You may buy only options from AAA. Any combination of one, two or three Power Package partners options works. That is your choice!
Will there be separate invoices for each Power Package product?
Yes, each carrier administers their own separate bills for their products sold.
Are there separate employer or employee applications for each product?
Yes. You must complete a separate application for each product. All applications are conveniently available on-line.
How do customer questions get handled?
Each company separately handles their own customer service questions; however, each company conducts a “warm transfer” should a call come in for another carrier's product. See our Contact Us page for more information.
How will renewals be handled for each product?
Each company handles its own renewal of coverage separately.
What’s the minimum group size required for a quote?
The minimum group size is 2 employees. However, individual coverage is also available through HAP, Delta Dental and AAA. So if you’re a sole proprietor, check HAP’s SOLO product.
How do I obtain a quote for HAP’s health plans?
- Producers (Agents) – Can access HAP’s eSales application. If you're currently not a
HAP contracted agent, please contact Agent Relations, Sangria Barber at
(248) 443-8570. Or you can log-on through the Power Package website at generate a proposal.
- Chamber Businesses – Use the Request a Proposal link to have a representative contact you or, contact your agent or HAP directly at 1-800-HAP-PLUS (7587).
If selecting Delta Dental only, do I contact Delta Dental directly?
If you are only selecting dental, you may generate a proposal online for companies with 2-9 employees. You may also request a proposal from Delta Dental on-line for groups with 10+ employees at the same link. If you need more information, you may contact Delta Dental directly.
Is there a discount if only selecting Delta Dental?
Yes. Unique Delta Dental plan designs and pricing are offered through the Power Package. Check them out! For individuals, you may also buy dental coverage only when seeking individual medical coverage. You must purchase both medical and dental coverage through HAP using the SOLO product.
What’s the minimum contribution level from the employer for dental coverage?
The minimum contribution level from the employer is 50 percent of the employee rate. Plans in which the employer contribution is less than 50 percent of the employee rate are considered to be voluntary plans. There are two voluntary options (Plans D & E) that can be quoted.
What’s the minimum participation requirement for dental coverage?
Delta Dental requires a minimum participation of 75 percent of the eligible employees (35 percent with voluntary plans) with a minimum of 2 employees.
How many employees are required to quote for orthodontic dental coverage?
Delta Dental requires a minimum of 25 employees before we will quote orthodontics, unless the group had orthodontic coverage through their previous carrier.
Are there any waiting periods for services for dental coverage?
Delta Dental does not have waiting periods for services on non-contributory and contributory plans. Some voluntary plans do have a waiting period for specific services (ex: EPA Plan E).
What’s the waiting period for new hires for dental coverage?
The waiting period for new hires is usually a minimum of 30 days after the date of hire. A few industries require a mandatory 90-day new hire waiting period, such as doctors, lawyers, architects, auto dealerships, and country clubs. Our voluntary plans also include waiting periods.
Does Delta Dental have a pre-existing condition clause?
No. Delta Dental’s programs have no exclusions or limitations for pre-existing conditions.
Does HAP have a pre-existing condition clause?
For group plans (two or more enrollees), there are no exclusions or limitations for pre-existing conditions. For individual plans through SOLO, acceptance and rates are based on pre-existing and current medical conditions.
Explain Delta Dental’s position on Certificates of Portability.
Dental is excluded unless the medical and dental are tied together. Since Delta Dental underwrites plans on a stand-alone basis, the aspects of HIPAA concerning certifications of creditable coverage to not apply. (Also, Certificates of Portability were created to address pre-existing condition clauses. Delta Dental does not underwrite plans with pre-existing condition clauses.)
Explain HAP’s position on Certificates of Portability.
Prior creditable coverage includes any previous health plan coverage sponsored by an employer that was provided by an insurance company, health maintenance organization, multiple employer welfare arrangement or an employer sponsored self-funded health plan, as defined by Section 3(40)(A) of the Employee Retirement Income Security Act of 1974, as amended. Most prior health coverage is creditable coverage and can be used to reduce the pre-existing condition exclusion, if there was no break in coverage of at least 63 days. To reduce the 12-month exclusion period by creditable coverage, Alliance must receive a copy of any certificate of creditable coverage you have. Each certificate (or other evidence of creditable coverage) will be reviewed to determine its authenticity. Submission of a fraudulent certificate is considered a federal health care crime and may be punishable by fine and/or imprisonment.
Do enrollees experience balance billing with Delta Dental?
No. Delta Dental enrollees are responsible only for their co-payments, deductibles, and charges for non-covered services, if any, when they visit a participating Delta Dental dentist. Those participating dentists agree to accept Delta Dental’s fee determination as full payment for covered services.
What materials will the enrollees receive after the dental program is implemented?
Standard materials include a program certificate booklet along with a summary of dental plan benefits describing the coverage levels. Additionally, the group will receive and administrative manual, eligibility enrollment forms, a dentist directory (if applicable), and a re-order form for materials.
What are the commissions paid by HAP and Delta Dental?
HAP and Delta Dental offers a flat percentage based on group size. Please see producer contracts or Agents’ Commission Schedule for more information. There is also an additional incentive for sold Chamber businesses for producers. Check out the savings for more details.
Explain the methods of reporting eligibility.
Methods of reporting eligibility include online, tape, enrollment forms, diskettes, and forms.
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