Employers' Frequently Asked Questions:

Q: How do I collect premium from my employees who have enrolled in the DentalNOW! plan?

A: You should payroll-deduct premium for each enrolled employee.

Q: Do I deduct the premium through payroll deduction when an employee is on vacation?

A: Yes. You should continue to deduct premiums the same way as if the employee is at work.

Q: How do I pay premium for my enrollees?

A: You will be billed monthly. Make your check payable to the DentalNOW! Administrator.

Q: Do I have to pay as billed?

A: Yes. Any additions or deletions must be made on the DentalNOW! Change Form, and sent along with your next premium payment. Those changes will be reflected on your next bill.

Q: What happens when I get a new employee?

A: As part of your new employee orientation process, you should provide the enrollment materials to that new employee for his/her decision. They may enroll within 31 days from their becoming eligible, based on your company’s benefit eligibility waiting period. You would add the employee to the DentalNOW! Change Form and send it along with the new employee’s enrollment form with your next premium payment. Please make a copy of the enrollment form for your records.

Q: What happens when an employee leaves the company?

A: You should add the employee to the DentalNOW! Change Form and send it with your next premium payment.

Q: Can I have an annual open enrollment?

A: If you have a Section 125 Plan, you can decide which month will be designated for an annual open enrollment. If you do not have a Section 125 Plan, there is no annual open enrollment.

Q: When will rates be reviewed?

A: Rates are reviewed every year and, if a change is necessary, will be modified at the plan’s anniversary date. You will be notified in advance of any rate change to your plan, so you can adjust the payroll deduction amount.

Q: Which insurer underwrites the DentalNOW! plans?

A: The DentalNOW! plans are underwritten by BCS Insurance Company, Chicago, Illinois. BCS is rated “A-” (excellent) by A.M. Best Company.