2008 Dental Survey
Welcome to Part III of California Broker’s 2008 Dental Survey.
19. If covered, explain the process that allows the general dentist to refer to the specialist.
20. Are any of your specialists board eligible/certified?
21. How do you fund your specialty care?
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2008 Term Survey—An Overview of the State's Term Insurance Market
1. What percentage of the cases you underwrote last year were issued at your top two preferred non-smoker classes?
2. What percentage of the cases you underwrote last year were issued at your top two standard nonsmoker classes?
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2008 HSA Survey—HSAs role in
the California Marketplace
1. What are the primary services you offer as part of your HSA product?
2. Do you offer an HSA-qualifying high deductible health insurance plan?
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2008 HMO Survey—HMO Services and Pratices Statewide.
1. Do you guarantee a time limit on getting referral/treatment routine, urgent, emergency? If not, how many days does it take?
2. Do you have any conditions/diagnoses/symptoms that are referred automatically?
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2008 PPO Survey—PPOs in California answer direct questions about their plans.
1. Is an approval procedure required for getting a specialist referral or a diagnostic test or treatment in-network or out-of-network?
2. Are there any restrictions on getting second opinions from an in-network provider or an out-of-network provider?
Get the answers....

November 2008

Thanks to the recent Wall Street debacle, we are back in the business again of explaining insurance company financials and defending the stability of some of the strongest financial institutions in the world. I use the word “debacle” consciously. This article isn’t about that, but I would be interested in the perspective of any reader who would like to take issue with that language. Meanwhile, this article is about the impact of the unregulated actions of the rest of financial world on our world. It has been 10 years since most of us have had to field regular questions from clients about insurance carrier solvency, and we have to relearn our lessons and go forth to do so again.
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