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Category Archives: Insurance

Beam Dental Takeaways from BenefitsPRO Expo 2018: Think Ahead

By | Brokers, Group benefits, Insurance | No Comments

First of all, I had an amazing time at BenefitsPRO 2018. I met with consultants from large regional firms, to independent brokers, existing and potential partners and everyone in between. It was an incredible opportunity to have so many benefits experts under one roof, all sharing their thoughts on where the industry is going. With that in mind, I wanted to share some of the key themes I heard. Speaker Highlights: Think for the Future One of the consistent themes across the Expo this year centered around industry change and how to think for the future. Tuesday afternoon’s reception kicked off with an incredibly…

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How Beam SmartPremiums Work

By | Insurance | No Comments

We recently launched Beam SmartPremiums, the most innovative dental insurance plans in decades. While this post shares a bit about Beam’s vision and why we launched SmartPremiums, I want to take a minute to address some common questions we’ve received, starting with: How do SmartPremiums work? Here’s the short answer: SmartPremium plans allow clients to save money on dental insurance by practicing good oral care habits, aka brushing your teeth! When a client signs up for Beam group dental insurance, each member receives a Beam Brush as part of their Beam Perks wellness package, which is included with each plan. The Beam Brush helps calculate a brush…

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Why Beam is Making Dental Benefits Better

By | Insurance, Thoughts from beam® | No Comments

One of the most common questions I get when doing an interview or introducing Beam dental to a new person is ‘how the heck did you get into dental benefits?’ Fair question. There is nothing in my background, nor the backgrounds of our co-founders, that suggests that we would be the perfect people to bring a disruptive idea to the dental industry. In fact, our high level CV looks extremely typical for a tech startup: 3 young males who met in engineering school and started building things together when we got bored with classes. However, our story diverges quickly from there.

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How do I Find the Perfect Benefits Broker?

By | Insurance | No Comments

When you think of an insurance broker, you probably think of some tie-wearing, paper-toting old-school salesman. Like this guy: Sure, there are plenty of fantastic brokers that still carry around a briefcase, wear a suit every day and focus completely on the relationship side of the business. However, many of them aren’t up-to-date on the latest benefits options or technology. And if you’re reading this post, you clearly care about innovation and making the best benefits decisions for your company. So I’m going to show you how to find the best benefits broker / consultant / advisor that fits your…

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How Do I Select the Best Online Broker Product for my Company’s Benefits?

By | Insurance | No Comments

It’s been all over the place for the past year or so: startups are disrupting HR and traditional insurance. Venture capitalists are investing in insurance and benefits distribution platforms like crazy. In my previous post, I laid out a framework to compare a traditional benefits broker vs. technology platforms, so at this point, let’s assume that you’ve decided that a tech platform is a viable option for you. Step 1? Check! There are clearly dozens of technology options out there to help you address your HR needs from payroll to recruiting to benefits. Given that, I’m going to focus primarily on tech…

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How Much Should Group Dental Insurance Cost?

By | Insurance | No Comments

The most common word people use to describe dental insurance is “expensive.” Not far down the list is “boring.” If we’re doing our job right at Beam®, it won’t be long before you start thinking of dental benefits as something entirely different: affordable. In order to help make sound decisions on dental benefits, let’s open up the black box of dental insurance underwriting so you can better understand how groups are priced. Below are just a few factors that can impact a group’s premium as you look at dental plans.  However, remember that the most important consideration should be the…

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What is a dental network and why should you care?

By | Insurance | No Comments

We understand. There are some things about dental insurance that seem too boring and confusing to pay much attention to. At Beam®, we’re working to make the dental benefits space more innovative, more exciting, and less confusing for everyone, whether you’re a Beam® client or just want to learn more. Even I’ll admit that some parts of dental benefits are hard to get excited about, but it doesn’t mean we can’t make them easy to understand (and maybe even a little exciting).

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The Beginner’s Guide to Group Dental Insurance

By | Insurance | No Comments

If you’re reading this right now, maybe your company is thinking about switching up dental insurance or looking to add dental benefits for the first time.  Or maybe you’re looking at a copy of a quote or new dental plan and trying to make sense of it all. Whatever the case, there’s a lot of information to take in around dental benefits, and probably some terms and concepts that might be unfamiliar to you. At Beam®, we’re convinced that dental care doesn’t have to be complicated or confusing, and we’re here to make things clear and easy to understand – transparency…

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