1 TRICARE Retiree Dental Program USCG Retiree Council April 27, 2010

2 Why TRDP?  Dental Health Prevention and Early Diagnosis Financial Assistance for Treatment  General Health

3 TRPD Contract  TRDP has been offered for over 12 years and Delta Dental of California has been the only administrator  Contract for TRDP Oct Sep 2013 awarded to Delta Dental of California (Federal Government Programs)  Delivery of care under new contract started October 1, Now in second year of third contract.

4 Enrollment Growth In New Contract

5 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

6 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.

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

8 Outreach in 2009  Outreach Representatives Installation Visits – 327 Retiree Activities – 251 Special Activities – 72 Phone/ Contacts - 3,368  Other Paid Advertisements – 54 Articles/Other Presentation – 60+

9 The Ideal Dental Plan  All treatment covered at 100% with no associated cost. No Premiums No Co-Payments No Limitations No Exclusions

10 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

11 Balance Benefit Cost Service Meet the Needs

12 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

13 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?

14 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?

15 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?

16 Value  Cost is an issue  Cost = Benefit + Service  Value Out-of-Pocket without dental program Out-of-Pocket with dental program Insurance Dental health

17 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

18 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

19 Contact Customer Service – Web Site – Tom McDavid –