Beam specializes in employer-sponsored dental plans. Beam approaches underwriting by taking data on how frequently plan members brush. Depending on members’ dental hygiene, premiums can be lowered by as much as 15 percent.
Beam offers three kinds of plans that are customizable to meet your needs. It also delivers a dental hygiene kit to members every six months, which is convenient and shows the company’s interest in supporting dental health.
Beam delivers toothpaste, floss, and replaceable brush heads to the homes of plan members every six months. Members also receive an electric toothbrush when they enroll.
This convenient service means you won’t have to worry about restocking your dental care products.
Beam toothbrushes connect to Beam’s app. Beam uses information on your group’s dental hygiene to underwrite and adjust monthly premiums. Insurance companies use underwriting to determine the risk associated with insuring an individual or a group.
Depending on your group’s dental hygiene score, you can qualify for up to 15 percent off of monthly premiums. Beam calls these SmartPremiums.
Beam offers three types of plans:
Each can be customized to an employer’s needs.
Preventive care is fully covered under each of the plans. Child and adult orthodontic coverage is also available. Beam’s network is also nationwide.
Beam offers digital implementation and administrative tools. Plan members can also print their dental cards from Beam’s portal. Beam also offers assistance to members and providers filing claims.
Employers can purchase vision benefits through Beam. These plans are not offered by Beam, but through a vision benefits provider partner.
Beam is new to the dental insurance industry, so the company is not as experienced in the industry as others. However, its innovative approach to dental insurance underwriting and lowering costs may be worth a try if you’re looking for something new.
Beam’s technology and approach to underwriting is unique for the industry. However, Beam’s website is unclear on the level of data privacy and security associated with its app and connected toothbrush. Potential customers who are concerned about data privacy and security should reach out to a Beam representative.
Beam currently only offers group plans through employers. If you’re buying your own dental plan for yourself or family, you’ll need to consider other options.
Jillaine Clark Orem, UT
1 year ago