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FAQs

The following are commonly asked questions

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Commission


When can I start selling the Delta Dental of New Jersey and Connecticut Individual and Family Plans and receive a commission?  

If you have completed and returned your producer paperwork or work for a brokerage house that has, you are able to receive new sales commissions on policies. After you have received an email with your DeltaDentalCoversMe.com URL, you may begin selling Individual and Family plans. 

Commissions are only payable for individual and family plans underwritten by Delta Dental of New Jersey and Delta Dental of Connecticut. Policies underwritten by any other Delta Dental member company, such as the dental plans marketed through AARP, are not eligible for the payment of commissions. Commissions will also not be paid by Delta Dental of New Jersey and Delta Dental of Connecticut for any policies with effective dates prior to August 1, 2018.

What is the new sales and renewal commission for Individual and Family plans? 

The new sales and renewal commission is 10% on premium as earned

How will I be paid the new sales commission for Individual and Family plans? 

Once the policy has been in effect for sixty days, you will begin to receive commission payments by direct deposit (or by check, if you've opted out of direct deposit). Commission payments will be paid monthly on premium payments that are paid and earned.

How will I be paid renewal commissions for Individual and Family plans?

Renewals continue to be paid the month in which premiums are earned. You will be paid commissions by direct deposit (or check, if you've opted out of direct deposit).

What happens if a policy cancels after commission has been paid? 

Any unearned commission will be charged back


Plan Information


What are the methods of payments for premium?

Payment methods available through DeltaDentalCoversMe.com are: credit or debit cards (Visa, MasterCard or Discover) or bank draft/electronic funds transfer (EFT). Checks are NOT accepted for sales made using your URL.

What are the premium modes?
Monthly, semi-annual, and annual

Where can I find premiums for Individual and Family plans?
You, and your clients, can use your unique URL to get quotes. Quoted premiums are based on the plan selected, ZIP Code, and number of dependents to be covered. Rates for some plans are based on the age of the policyholder or dependent on the policy effective date.

What are the effective dates that a client can request?
When sold using your URL, your client can request an effective date of the first of the next month or the first of the month after.

Example: You submit your client’s application online on December 12. Your client can select an effective date of January 1 or February 1.

What is the last day of the month that an application can be submitted for an effective date of the first of the following month?
Credit/debit card applications must be received by the last business day of the month for an effective date of the first of the next month. When paying with bank draft/EFT, applications must be received by the 24th of the current month or the business day prior if the 24th is not a business day. If the application is received after the 24th , the plan will have an effective date of the 1st of the following month. This applies to applications submitted through your URL or via paper.

Example: An application received on the 27th of June with bank draft as the payment method will have an effective date of August 1st . That same application with credit card as the payment method can have either a July 1 or August 1 effective date depending on the applicant preference.

Can an employer pay premiums for an employee?
No, an employer cannot pay premiums for an employee.
For New Jersey, the policyholder or other person covered by the plan can pay the plan premiums for Classic and Enhanced plans. A parent, guardian or similar person with insurable interest can pay the premium for the Clear plan even if it does not cover that person.

For Connecticut, the policyholder or other person covered by the plan can pay the plan premiums for Classic, Enhanced and Premium plans.

What is the contract period for the plans?
For New Jersey, all contract periods are on an annual basis. For Connecticut, all contract periods are on a month-to-month basis.

Can a member leave a plan mid-contract?
In New Jersey members cannot leave their plan mid-contract in most cases. When they purchase a Classic, Enhanced, or Clear plan, members are agreeing to keep the plan for at least 12 months.

However, there are five reasons why a member can leave their plan mid-contract:
1) They become covered under a group plan at work,
2) The policyholder passed away, or
3) They enter into military service, or
4) If their marital status changes, or
5) If a civil union or domestic partnership status changes

In Connecticut, a member may terminate at the conclusion of any month.

Can you terminate a plan mid-contract?
Delta Dental can terminate a plan mid-contract for one of the following reasons:
1) Failure to pay premium,
2) A person covered by the policy commits fraud related to the policy, or
3) A person not covered by the policy uses the policy, or
4) A covered person fails to follow the terms of this policy.

Can a subscriber change plans at renewal?
Yes, they will need to submit an updated paper application. A paper app can be printed from the Deltadentalcoversme.com or requested from our Sales Department at 888-899-3736. Submit the paper application by one of the following methods: Email to CustomerSupport@DeltaDentalCoversMe.com
Fax to 800-807-1970
Mail
Delta Dental
Billing and Enrollment
PO Box 103
Stevens Point, WI 54481

Where should members call if they have questions about the plans or to terminate for one of the above reasons?
They should call 855-335-8275 or email CustomerSupport@DeltaDentalCoversMe.com.

Does the Delta Dental mobile app work with Individual and Family plans?
Yes, it does.

What number do I call with questions about one of the Delta Dental of New Jersey and Connecticut Individual and Family Plans?
You should call 855-335-8275 or email CustomerSupport@DeltaDentalCoversMe.com. For Commission questions, email Commissions@DeltaDentalNJ.com.


Sales Process


 How do I use the URL to sell Individual and Family plans?

Use the custom URL we assigned to you and navigate to DeltaDentalCoversMe.com. You must use the custom assigned URL to receive credit for the sale and be paid commissions. You may enroll your client directly, or you may provide the custom URL to your client to enroll. If you enroll your client directly, you will need information for your client such as dates of birth for all persons being enrolled, as well as information about the method of payment. Step 1: The URL will display in your browser’s address bar. Enter the zip code, date of birth and coverage start date. Steps 2-4: Your broker name displays after your client elects to enroll. The client creates an account then selects your name from the drop-down menu on the Broker Information screen. 

How will I know if clients have purchased a policy using my URL? 

Clients will be listed individually on your commission statement.

What happens if a client signs up but doesn’t use my URL?

 If the unique URL isn’t used, you will not receive credit or commission for the sale. Your client must select your name from the drop-down list shown in the URL provided for you or your agency.

What if I experience issues with my URL?

 Issues can be reported to Commissions@DeltaDentalNJ.com. Include your client’s information if you need to be assigned as the agent of record. 

How can agencies share plan information with individuals?

Digital and print versions can be ordered by emailing Commissions@DeltaDentalNJ.com.

How do I request brochures?

You may continue to receive EOBs by mail. If you prefer to go paperless, sign-in and select “Go Paperless”. 

 What if I need to submit a paper application? 

You will only receive commissions on applications submitted through your unique URL. For paper applications, you must comply with PCI regulations when in possession of a client's credit card number. Please refer to your brokerage house for more information about PCI regulations. Mail the completed application and physical check to:

Delta Dental Billing and Enrollment
PO Box 103 Stevens Point, WI 54481

Or, fax it to 800-807-1970 (checks cannot be faxed). 

Can I be added as Producer of Record (also called Broker of Record) for policies that were sold using a paper application?  

No, you cannot be added as Producer of Record on policies that were sold using a paper application. You must use your custom URL to receive credit for the sale and be paid commissions. 

How can I get my client’s ID number? 

All members receive their ID number upon enrollment. The ID number is listed on your commission statements. You can also get your client's ID number by customer support: CustomerSupport@DeltaDentalCoversMe.com or 855-335-8275.


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