Competitive Intelligence Guide: Senior Dental · 2015-01-06 · competitive database. This includes contact information, AM Best ratings, and corporate structure. The user may find

+ Competitive Intelligence Guide: Senior Dental 3rd Quarter 2012 Prepared by: Brynn Schmitz Brien Welch

CSG Actuarial, LLC | 6307 Center Street| Omaha, NE 68106 402.502.7747 | [email protected] | www.csgactuarial.com

mailto:[email protected]

© 2012 CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of “Competitive

Intelligence Guide: Senior Dental” may not be shared outside the buyer’s firm without permission from CSG Actuarial, LLC.

www.CSGActuarial.com

TABLE OF CONTENTS Section Exhibit Page

Introduction 2 Company Data

Overview 3 Company Data Table: Exhibit A 4

Product Benefit Comparisons Overview Product Benefit Table: Underwriting Comparisons

Exhibit B

5 6

Overview 12 Underwriting Table: Exhibit C 13

Premium Rate Comparisons

Overview 15 Premium Rate Tables: Exhibit D-1 16

Exhibit D-2 17 Exhibit D-3 18 Exhibit D-4

Exhibit D-5

19 20




INTRODUCTION CSG Actuarial, LLC (“CSG”) has prepared this edition of “Competitive Intelligence Guide: Senior Dental” to provide our clients with a comprehensive overview of the Senior Dental marketplace. The guide contains information on the major companies actively marketing Senior Dental insurance, including company information, product benefit comparisons, underwriting data, and premium rate comparisons. The Senior Dental marketplace is a rapidly evolving market and having timely competitive intelligence can be a valuable tool. As the population continues to age, Senior Dental Insurance becomes more necessary. Between years 2008 and 2050 the aggregate population of 65-74 year olds will dramatically increase

1, and as Medicare has

no dental care coverage most will experience this severe shortfall firsthand. According to the Center for Diseases Control and Prevention’s 2009 Health Survey on the U.S. population of 302 million

2:

The 65-74 year old population will increase from 6% in 2007 to 9% by 2050.

The 75 year old and older population will increase from 6% in 2007 to 11% in 2050.

The percent of the senior population with a dental visit in the past year has risen 5.3% since 1997, with the largest increase being females 65 and over.

Geographically, the average increase in senior population dental visits was 2.95% from 1997, with the largest increase in the Southern region at 6.3%.

With nearly 30% of aging adults possessing untreated tooth decay and approximately 25% of 65-74 year olds suffering from severe gum disease, dental insurance can save insured’s from more serious conditions related to mouth bacterium including heart disease, stroke, and septicemia.

3

Insurance companies are recognizing a growing niche market in Senior Dental insurance. As the population ages, more insurance companies will enter the senior dental arena, and carriers, brokers, and agents need to be prepared with the latest competitive information. The benefits of this competitive intelligence report include shortening the product development timeline, identifying competitive advantages/disadvantages, and reducing marketing research costs. The report is entirely self-contained so that the user can conveniently access the information needed to make actionable decisions regarding their business. The information provided has been obtained from public sources and every attempt has been made to verify the accuracy of the data. However, CSG does not guarantee or warrant the accuracy of the information provided in this report. The report is updated quarterly so that the information is always up to date and still relevant. CSG is an actuarial consulting firm located in Omaha, NE that specializes in the individual life and health insurance markets. Please feel free to contact us if you have any questions about this report or suggestions to improve and enhance the content provided.

1 S e n i o r ' s O r a l H e a l t h C a r e : N o t h i n g t o S m i l e A b o u t . " A l l i a n c e f o r A g i n g R e s e a r c h . A l l i a n c e

f o r A g i n g R e s e a r c h , 2 0 0 8 . W e b . 1 4 D e c 2 0 1 0 . < h t t p : / / w w w . a g i n g r e s e a r c h . o r g / c o n t e n t / a r t i c l e / d e t a i l / 2 3 2 0 / > . 2 U n i t e d S t a t e d . H e a l t h , U n i t e d S t a t e s , 2 0 0 9 : W i t h S p e c i a l F e a t u r e o n M e d i c a l T e c h n o l o g y .

W a s h i n g t o n D . C . : U . S . G o v e r n m e n t P r i n t i n g O f f i c e , 2 0 1 0 . W e b . 1 4 D e c 2 0 1 0 . < h t t p : / / w w w . c d c . g o v / n c h s / d a t a / h u s / h u s 0 9 . p d f # 0 7 4 > . 3 S e n i o r ' s O r a l H e a l t h C a r e : N o t h i n g t o S m i l e A b o u t . " A l l i a n c e f o r A g i n g R e s e a r c h . A l l i a n c e

f o r A g i n g R e s e a r c h , 2 0 0 8 . W e b . 1 4 D e c 2 0 1 0 . < h t t p : / / w w w . a g i n g r e s e a r c h . o r g / c o n t e n t / a r t i c l e / d e t a i l / 2 3 2 0 / > .

2




COMPANY DATA The attached Exhibit A provides information on each company represented in CSG’s Senior Dental competitive database. This includes contact information, AM Best ratings, and corporate structure. The user may find this information beneficial in evaluating the quality of the company relative to the specific product and rate information provided in the other sections of this report. This information was obtained from company websites and other public sources and may have changed since this report was compiled.

3

Exhibit A

Company Information

Dental, Vision and Hearing Policies

INSURANCE COMPANY CONTACT INFORMATION

TYPE OF COMPANY

(STOCK/MUTUAL/FRATERN

AL) HOLDING COMPANY

FINANCIALS - AM BEST

RATING

FINANCIALS -

OUTLOOK

Constitution Life Insurance

Company

1001 Heathrow Park Lane

Suite 5001

Lake Mary, FL 32746

Phone: 800-789-6364

Web: www.constitutionlife.com

Stock- UAM Universal American

Group

B+ Stable

Delta Dental Insurance

Company

100 First Street

San Francisco, CA 94105

Phone: 415-972-8353

Web: www.deltadentalins.com

Nonprofit Dentegra Group

AARP

A- Stable

Medico Insurance Company 1515 S 75th Street

Omaha, NE 68124

Phone: 402-391-6900

Web: www.gomedico.com

Mutual Holding Company Medico Mutual

Holding Company

B+ Stable

Old Surety Life Insurance

Company

5235 North Lincoln Boulevard

Oklahoma City, OK 73105-1804

Phone: 800-272-5466

Web: www.oldsurety.com

Privately Held Stock

Company

N/A Not Rated N/A

Reserve National Insurance

Company

601 E. Britton Road

Oklahoma City, OK 73114

Phone: 405-848-7931

Web: www.reservenational.com

Stock - UTR Kemper Corporation A- Negative

Security Life Insurance

Company of America

10901 Red Circle Drive

Minnetonka, MN 55343

Phone: 952-544-2121

Web: www.securitylife.com

Privately Held Security Life of

America Group

B++ Stable

United Commercial Travelers

of America Insurance

Company

1801 Watermark Drive, Suite 100

Columbus, OH 43215

Phone: 614-487-9680

Web: www.uct.org

Fraternal N/A B+ Negative

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have

been made that are not shown.

©2012 CSGActuarial, LLC.

All rights reserved. Reproduction/redistribution strictly prohibited. 4




PRODUCT BENEFITS COMPARISON

The attached Exhibit B provides information on each company’s senior dental product represented in CSG’s Senior Dental competitive database. Information regarding a product’s benefit design, rating characteristics, and benefit triggers are all included. Exhibit B can help users compare each company’s product with others in the market as well as identify competitive advantages and disadvantages of their own product line. Of note: Out of the four companies analyzed in this competitive intelligence report, three offer additional vision and hearing benefits with their Senior Dental policies. The information provided in Exhibit B is a summary of CSG Actuarial’s Senior Dental database. The information does not provide state variations or specific detail on benefit limits and issue ages. Please contact CSG Actuarial, LLC to request a customized competitive intelligence report. This information was obtained from public sources and may have changed since this report was compiled.

5

Exhibit B

Product Details


Product Specifications Constitution Life Delta Dental Insurance Company Medico Old Surety

Form Numbers CLDEN 09 DITX DVA48 092-97

DENTAL

Annual Benefit

$1,500 -$6,000 Unlimited $1,000-$1,500 $1,000

Annual Deductible$0 $0 $100 $100

Benefits

N/A Based on a schedule of Co-Payments 60% first policy year,

70% second policy year,

80% third policy year and thereafter

60% first policy year,


80% third policy year and

thereafter

Benefit Type

Actual Charge up to Annual Benefit Applicable Benefit %/Co-Payment Actual Charge up to Annual Benefit Actual Charge up to Annual

Benefit

Eligibility

Ages 63+ AARP Members and Dependents 18-89 0-79

Household Discount N/A N/A N/A Yes

Choose your own Dentist Yes N/A Yes Yes

Guaranteed Issue Yes Yes Yes N/A

Guaranteed Renewable Yes Yes Yes Yes

Routine exam Yes Yes Yes Yes

Prophylaxis Yes Yes Yes Yes

X-rays Yes Yes Yes Yes

Fillings Yes Yes Yes Yes

Simple Extractions

Yes Yes Yes- 12 month waiting period for full

mouth

N/A

Palliative Treatment Yes Yes N/A N/A

Biopsies Yes N/A N/A N/A

Crowns

Yes Yes Yes- 12 month waiting period Yes

Dentures

Yes Yes Yes- 12 month waiting period Yes

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown.



Exhibit B

Product Details



DENTAL CONT.

Bridges Yes Yes Yes- 12 month waiting period Yes

Inlays Yes Yes N/A N/A

Onlays Yes Yes N/A N/A

Root Canal / Endodontics Yes Yes Yes- 12 month waiting period N/A

Gum Disease Treatment Yes Yes N/A N/A

Surgical Extractions Yes Yes Yes N/A

Impacted Teeth

Yes N/A Yes - For missing teeth on policy

issue date. 12 month waiting period.

N/A

Oral Surgery

Yes Yes Yes - 12 month waiting period,

outpatient only

Yes - outpatient only

General Anesthesia / IV Sedation Yes N/A N/A N/A

Denture Relines / Rebases Yes Yes Yes N/A

Denture Adjustments Yes Yes Yes N/A

Periodontal Surgery Yes Yes Yes- 12 month waiting period N/A

Preventative Benefit 6 - 18 month waiting period on

dental work depending on the type of

medical procedure.

N/A 12 month waiting period on fluoride

treatments.

After 3 months the policy will pay

100% of the cost of one dental

cleaning up to $50 / year




Exhibit B

Product Details



VISIONBasic eye exam N/A N/A Yes Yes

Cost of eyeglasses N/A N/A Yes- 6 month waiting period Yes

Cost of contact lenses N/A N/A Yes- 6 month waiting period Yes

Maximum benefit

N/A N/A $200 in one policy year $150 in one policy year

Exclusions N/A N/A Benefits during first six months for

existing eyeglasses or contact lenses

including renewal or changing of

prescriptions.

Benefits during first policy year for

existing eyeglasses or contact

lenses including renewal or

changing of prescriptions.

HEARING

Hearing exam N/A N/A Yes Yes

Purchase of hearing aids N/A N/A Yes-12 month waiting period Yes

Hearing aid repairs N/A N/A Yes Yes

Exclusions N/A N/A Benefits during first policy year for

all hearing aids.

Benefits during first policy year for

existing hearing aids.




Exhibit B

Product Details


Product Specifications Reserve National Insurance Company Security Life Insurance Company of America United Commercial Travelers of America

Form Numbers DV-1 GH-1112 DVH

DENTAL

Annual Benefit

$1,000-$1,500 $500-$2,000 $750, $1,000, $1,500, $2,000

Annual Deductible$100 $50 $0 or $100

Benefits

60%-80% depending on benefit type. Optional

waiver of deductible rider.

25% - 100% dependent on: Waiting Period, Graded

Benefit

60% first policy year,


80% third policy year and

90% thereafter

Benefit Type

Applicable Benefit % up to Annual Benefit Actual Charge up to Annual Benefit Actual Charge up to Annual Benefit

Eligibility

0-99 18+ 18-84

Household Discount N/A N/A Yes

Choose your own Dentist Yes Yes Yes

Guaranteed Issue N/A Yes Yes

Guaranteed Renewable Yes Yes Yes

Routine exam Yes Yes Yes

Prophylaxis Yes Yes Yes

X-rays Yes Yes Yes

Fillings Yes Yes Yes

Simple Extractions

N/A Yes Yes - 12 month waiting period

Palliative Treatment N/A N/A N/A

Biopsies N/A N/A N/A

Crowns

Yes Yes Yes - 12 month waiting period

Dentures

Yes Yes Yes - 12 month waiting period




Exhibit B

Product Details



DENTAL CONT.

Bridges Yes Yes Yes - 12 month waiting period

Inlays N/A N/A N/A

Onlays Yes N/A N/A

Root Canal / Endodontics Yes Yes Yes - 6 month waiting period

Gum Disease Treatment N/A N/A N/A

Surgical Extractions N/A N/A N/A

Impacted Teeth

N/A Yes - Straightening of teeth (orthodontic services). 24

month waiting period. Limited to children under 19 and

only available on one level.

Yes - For missing teeth on policy issue date. 12 month

waiting period.

Oral Surgery

N/A Yes Yes - outpatient only

General Anesthesia / IV Sedation N/A N/A N/A

Denture Relines / Rebases Yes- 12 month waiting period Yes Yes

Denture Adjustments Yes- 12 month waiting period Yes Yes

Periodontal Surgery N/A Yes N/A

Preventative Benefit Maximum benefit of $100 for each dental check

up, limited to two per year. Policy will pay 60%-

80% of covered services to maximum benefit

amount for both dental and vision converage.

Existing dental issues that need repair or

replacement will not be covered until after 12

months

2 exams and 3 cleaning per year., includes fluoride

treatments and sealants.

After 3 months the policy will pay 100% of the cost of

one dental cleaning up to $75 / year




Exhibit B

Product Details



VISIONBasic eye exam Yes N/A Yes

Cost of eyeglasses Yes N/A Yes

Cost of contact lenses Yes N/A Yes

Maximum benefit

$100 in one policy year/$300 in 24 month period

for Lenses/Frames

N/A $150 in one policy year

Exclusions Benefits during first policy year for existing

eyeglasses or contact lenses including renewal or

changing of prescriptions.

N/A Benefits during first six months for existing eyeglasses

or contact lenses including renewal or changing of

prescriptions.

HEARING

Hearing exam N/A N/A Yes

Purchase of hearing aids N/A N/A Yes

Hearing aid repairs N/A N/A Yes

Exclusions N/A N/A Benefits during first policy year for existing hearing

aids.







UNDERWRITING CRITERIA COMPARISON

The attached Exhibit C provides an underwriting criteria comparison for each company represented in CSG’s Senior Dental competitive database. This information was compiled from each company’s application filed with the state insurance departments. The Exhibit C should be interpreted by reviewing each condition and the criteria used for declination. If the table is blank for any specific condition the company does not ask any application questions for that particular condition. The actual application question may vary by company and could be more or less restrictive given the actual wording of the question. In addition there may be slight variations in applications by state that are not reflected in the tables.

12

Exhibit CUnderwriting InformationDental, Vision and Hearing Policies

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. ©2012 CSGActuarial, LLC. All rights reserved. ReproducDon/redistribuDon strictly prohibited.

Underwriting Criteria Constitution Life* Delta Dental Insurance Company* Medico Insurance Company*Currently wear dentures N/A N/A N/ACurrently have a dental crown or bridge N/A N/A N/AAny dental work that is incomplete N/A N/A N/A

Currently wear eyeglasses/contactsN/A N/A N/A

Advice/treatment for vision correction problem in past 9 months N/A N/A N/A

Currently wear a hearing aidN/A N/A N/A

Been treated for hearing loss in the past 9 months N/A N/A N/A

Physician recommended use of hearing aid N/A N/A N/A

Any hearing/dental/vision insurance currently inforce N/A N/A Yes

Is application intended to replace current policy N/A N/A Yes

Received a replacement formN/A N/A Yes

*This is a guaranteed issue policy.

13

Exhibit CUnderwriting InformationDental, Vision and Hearing Policies

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. ©2012 CSGActuarial, LLC. All rights reserved. ReproducDon/redistribuDon strictly prohibited.

Underwriting Criteria Old SuretyReserve National Insurance

CompanySecurity Life Insurance Company of America*

United Commercial Travelers of America

Currently wear dentures Yes Yes N/A YesCurrently have a dental crown or bridge N/A Yes N/A N/AAny dental work that is incomplete Yes Yes N/A Yes

Currently wear eyeglasses/contactsYes Yes N/A Yes

Advice/treatment for vision correction problem in past 9 months Yes N/A N/A Yes

Currently wear a hearing aidYes N/A N/A Yes

Been treated for hearing loss in the past 9 months Yes N/A N/A Yes

Physician recommended use of hearing aid Yes N/A N/A Yes

Any hearing/dental/vision insurance currently inforce Yes Yes N/A Yes

Is application intended to replace current policy Yes Yes N/A Yes

Received a replacement formYes N/A N/A Yes

*This is a guaranteed issue policy.

14




PREMIUM RATE COMPARISON The attached Exhibit D provides a sample of premium rate comparisons for each company represented in CSG’s Senior Dental competitive database. Each table displays the annual premiums for the lowest rating by gender, tobacco preference and underwriting classes. The rates are shown in variable age increments dependent on each company. Below is a summary of all the tables: Exhibit D-1: Constitution Life Exhibit D-2: Delta Dental Insurance Company/Medico Insurance Company Exhibit D-3: Old Surety Life Insurance Company/Reserve National Insurance Company Exhibit D-4: Security Life Insurance Company of America Exhibit D-5: United Commercial Travelers of America The tables represent the lowest available rate in each company by plan and rating variable. The rates shown do include any couples or household discounts, if applicable. Each of the companies in the study has slightly different benefit options and structures. Please refer to the attached Exhibit B for an analysis of the benefit options offered by each company.

15

Exhibit D-1

Constitution Life Insurance Company Rates


Deductible Area A Area B Area C Deductible Area A Area B Area C

$0.00 $17.50 $23.45 $29.45 $0.00 $210.00 $281.40 $353.40

Deductible Area A Area B Area C Deductible Area A Area B Area C

$0.00 $31.30 $41.80 $52.45 $0.00 $375.60 $501.60 $629.40

Direct Bill Modes: Semi Annual: Annual: x.52

Credit Card Modes: Semi Annual: Annual: x.516, Monthly: Annual x.085

State Factor State Factor

Al B MI A

AR B B

AK A MO B

CA C A

C MS A

B NE A

FL C NC B

A OH B

B A

GA B OK A

IL A OR B

B SC B

IN B TN B

A A

IA A TX A

KS B B

A VA C

KY A A

LA A B

WI BAll Zip Codes

931, 939-941, 943-950

321, 323, 335-338, 346, 347

All Zip Codes

All Zip Codes

All Other Zip Codes

370-372

754-758, 764-768, 775-

All Other Zip Codes

All Zip Codes

All Zip Codes

All Zip Codes

430-432, 436, 440, 441,

All Zip Codes

239,242

All Other Zip Codes

486, 493, 498

All Other Zip Codes

All Other Zip Codes

630-633, 641

201-222

Zip Codes (first 3 Digits)

Area Factors

All Zip Codes

All Other Zips

331

All Other Zip Codes

All Zip Codes

612, 613, 619-625, 629

All Other Zip Codes

460-463

All Zip Codes

All Other Zip Codes

All Other Zip Codes

662

All Other Zip Codes

All Zip Codes

Zip Codes (first 3 Digits)

900-905, 913-915, 926-928

All Zip Codes

All Zip Codes

All Zip Codes

Annual PremiumsMonthly Premiums

Standard Plan: $1,500 Annual Maximum Benefit payable per policy year

Enhanced Plan: $6,000 Annual Maximum Benefit payable per policy year

Monthly Premiums Annual Premiums

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are

not shown.



Exhibit D-2

Delta Dental Insurance Company/Medico Insurance Company Rates


California Rates Enrollee only (One Person) - $135.00

Texas Rates

Enrollee only (One Person) - $129.00

Flordia Rates

Enrollee only (One Person) - $149.00

* $15.00 Dollar Application Fee

Issue Age 1,000 Max 1,500 Max Issue Age 1,000 Max 1,500 Max

18-39 $25.00 $33.00 18-39 $300.00 $396.00

40-54 $27.00 $35.00 40-54 $324.00 $420.00

55-64 $29.00 $38.00 55-64 $348.00 $456.0065-79 $31.00 $41.00 65-79 $372.00 $492.00

80-89 $33.00 $43.00 80-89 $396.00 $516.00

Issue Age 1,000 Max 1,500 Max Issue Age 1,000 Max 1,500 Max

18-39 $75.00 $99.00 18-39 $81.00 $106.92

40-54 $81.00 $105.00 40-54 $87.48 $113.40

55-64 $87.00 $114.00 55-64 $93.96 $123.12

65-79 $93.00 $123.00 65-79 $100.44 $132.84

80-89 $99.00 $129.00 80-89 $106.92 $139.32

Issue Age 1,000 Max 1,500 Max

18-39 156.00 205.92

40-54 168.48 218.40

55-64 180.96 237.12

65-79 193.44 255.84

80-89 205.92 268.32

Semi-Annual - Direct

Delta Dental Insurance Company

Medico Insurance Company

Monthly - EFT Annual - Direct

Quarterly - EFT Quarterly - Direct

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may

have been made that are not shown.



Exhibit D-3

Old Surety Insurance Company/Reserve National Insurance Company Rates


Issue Age Annual Premium Quarterly Premium Monthly Premium

0-59 $315.00 $78.75 $26.25

60-79 $350.00 $87.50 $29.17


19-59 $535.00 $133.75 $44.58


19-59 $535.00 $133.75 $44.58


19-59 $755.00 $188.75 $62.92

Attained Age Regular Monthly Bank Draft Monthly Quarterly Semi-Annual Annual

0-18 $31.80 $29.25 $93.50 $185.10 $351.05

19-64 $31.80 $29.25 $93.50 $185.10 $351.05

65-99 $31.80 $29.25 $93.50 $185.10 $351.05


0-18 $39.75 $36.55 $116.85 $231.35 $438.85

19-64 $39.75 $36.55 $116.85 $231.35 $438.85

65-99 $39.75 $36.55 $116.85 $231.35 $438.85


0-18 $5.45 $5.00 $16.00 $31.70 $60.15

19-64 $5.45 $5.00 $16.00 $31.70 $60.15

65-99 $5.45 $5.00 $16.00 $31.70 $60.15

Reserve National Insurance Company

Old Surety Insurance Company

$1500 Maximum

Optional Waiver Rider

Individual Rates

Husband & Wife Rates

1 Parent & Child(ren) Rates

2 Parent & Child(ren) Rates

$1000 Maximum


not shown.



Exhibit D-4

Security Life Insurance Company Rates


Area 7 Area 8

$87.25 $96.00

$174.25 $192.00

Area 7 Area 8

$96.75 $106.75

$194.00 $214.00

Area 7 Area 8

$69.00 $76.00

$138.00 $152.00

Area 7 Area 8

$78.00 $86.00

$156.25 $172.00

**Area Rating Factors as follows:

State Zip CodeRating State Zip CodeRating State Zip CodeRating State Zip Code Rating State Zip CodeRating State Zip Code Rating

AL 350-355 3 CO 803 4 LAAll others 1 NV All others 4 SC 1 WV 255-257 4

359 3 808-810 4 MA 5 NJ 4 TN 373-374 2 262-265 3

All others 1 All others 1 MI480-483 2 NM 881 2 All others1 All others 2

AK 995-996 8 DE 2 488-489 3 882 5 TX 751-753 3 WI 1

All others 6 DC 6 490-490 2 All others 1 754 4 WY 1

AZ 856-857 2 GA 300-303 2 All others 1 NC 277 2 756-757 1864 2 307, 311 2 MN 553-558 2 286 3 776-777 1All others 1 All others 1 564 2 287-289 2 All others2

AR 1 HI 3 566 2 All others 1 UT 1CA 900-905 7 ID 1 All others 1 ND 580-581 2 VA 201 5

906-914 6 IL 600-605 2 MS 390-392 2 All others 1 220-221 5915-916 8 606-608 3 All others 1 OH 1 222-223 6917-918 4 All others 1 MO 640-641 2 OK 740-743 2 224-225 1919-927 6 IN 463-464 2 644-649 2 All others 1 228-229 2930-934 6 473 3 All others 1 OR 977 3 230-232 1939 6 All others 1 MT 590-591 1 978 1 233-237 5943-948 4 IA 1 599 2 All others 2 240-244 2949 6 KS 660-662 1 All others 3 PA 170-178 2 All others4

956-958 3All others 1 NE 1 182-187 2 WA 982-984 4

959 4 KY 1 NV 890-891 2 190-192 3 990-992 3961 6 LA 707-711 2 894-894 6 All others 1 993 6All others 5 712 3 898 6 RI 3 All others5

Single

$2,000 Maximum

$52.00$47.25

Single

Couple

Area 1 Area 2 Area 3 Area 4

Couple

$1,000 Maximum

$119.00

Area 3 Area 4

$66.50 $73.00

Area 1

Area 1 Area 2

$39.25 $43.00

Couple

$1,000 Maximum

Single

Couple

$2,000 Maximum

Single

Area 2

$55.00 $60.50

Plan 2: Graded Benefit

$131.25

$80.50 $88.25

Area 1 Area 2 Area 3 Area 4 Area 5 Area 6

Area 5 Area 6

$110.25 $121.00 $121.00 $146.00 $160.75 $176.75

$57.25 $62.75

$78.50 $86.00 $94.25 $104.00 $114.25 $125.75

Area 5

$142.00

$44.50 $48.50 $53.50 $58.75 $64.75 $71.00

$88.75 $97.50 $106.75 $117.75 $129.25

Area 6

$108.50$98.75 $158.50$144.25

Plan 1: Waiting Period

$72.50 $79.25

Area 5 Area 6

$49.75 $54.00 $59.75

Area 3 Area 4

$65.75


not shown.



Exhibit D-5

United Commercial Travelers of America Insurance Company Rates


Issue Age Annual Monthly EFT Monthly EFT w/HH Disc. Annual Monthly EFT Monthly EFT w/HH Disc.

18-39 358.00 29.83 27.00 316.00 26.33

40-59 385.00 32.08 29.02 340.00 28.33

60-74 426.00 35.50 32.10 376.00 31.33

75-79 453.00 37.75 34.12 400.00 33.33

80-84 481.00 40.08 36.22 424.00 35.33


18-39 396.00 33.00 29.85 350.00 29.17

40-59 426.00 35.50 32.10 376.00 31.33

60-74 472.00 39.33 35.55 416.00 34.67

75-79 502.00 41.83 37.80 443.00 36.92

80-84 532.00 44.33 40.05 469.00 39.08


18-39 508.00 42.33 38.25 448.00 37.33

40-59 551.00 45.91 41.47 486.00 40.50

60-74 600.00 50.00 45.15 529.00 44.08

75-79 624.00 52.00 46.95 550.00 45.83

80-84 648.00 54.00 48.75 571.00 47.58


18-39 577.00 48.08 43.42 509.00 42.42

40-59 619.00 51.58 46.57 545.00 45.41

60-74 674.00 56.16 50.70 594.00 49.50

75-79 701.00 58.41 52.72 617.00 51.41

80-84 729.00 60.75 54.82 642.00 53.50

*Annual Dues = $18.00 (included in above pricing) Semi - Annual 0.515

Quarterly 0.2625

48.30

Model Factors

$0 Deductible $100 Deductible

38.32

41.02

44.70

46.42

$2000 Annual Maximum

28.35

31.35

33.37

35.32



33.75

36.60

39.82

41.40

42.97

26.40

$100 Deductible$0 Deductible

$750 Annual Maximum

23.85

25.65

28.35

30.15

31.95




not shown.



Documents

Competitive Intelligence Guide: Senior Dental · 2015-01-06 · competitive database. This includes contact information, AM Best ratings, and corporate structure. The user may find