beam® Launches SmartPremiums: Group Dental Insurance that Rewards Good Oral Hygiene

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SmartPremiums, the first group dental insurance plans that price according to how often members brush their teeth, launched today in California with plans to launch in additional states later this year. SmartPremium plans leverage data from the beam® brush and provide an unparalleled member experience with the company’s focus on prevention, included dental goods, and mobile technology.

beam launches SmartPremiums in California

As members improve brushing, the beam® score is improved. A higher beam® score will either lower renewal prices or increase coverage according to the group’s benefits strategy.

Over the past couple of years, major trends have emerged toward the consumerization of healthcare, with an increasing focus on the impact of technology on controlling costs and creating better health outcomes. If these collective efforts represent the future of health coverage, beam®’s SmartPremiums represents the future of dental coverage.

With the launch of SmartPremiums, beam® is creating a fundamentally different insurance product for the market through:

  • Brush-driven underwriting - As members improve brushing, the beam® score is improved. A higher beam® score will either lower renewal prices or increase coverage according to the group’s benefits strategy.
  • beam® perks wellness plan for every member - a connected electric toothbrush and quarterly shipments of paste, floss and replacement heads are shipped directly to every member
  • Improved brushing behavior - the beam dental mobile experience helps members to improve brushing behavior by almost 100% on average (1)
  • Great coverage and a large network - Preventive, Basic, Major and Ortho with plans designed to meet a group’s needs and over 270K provider access points

beam® has been refining the beam® brush and its member experience to improve the oral hygiene habits of brush users. Now, beam® is leveraging its ability to significantly increase brushing behavior to improve outcomes and provide additional value to members. This results in savings for beam®’s clients, and will eventually lead to more customizable plans to meet the specific needs of certain groups.

Each member of a SmartPremium plan is enrolled in the company’s unique beam® perks dental wellness program which includes a beam® brush and quarterly shipments of paste, floss and replacement heads sent right to their door. Beam believes that every person should have the tools they need for great oral health at all times.

While the brush data and technology used in underwriting is core to SmartPremiums, beam® also uses technology to create a better member experience through innovations such as the company’s enrollment portal, digital insurance card and mobile dentist search tool.

In addition, beam® offers a large network with over 270 thousand access points nationally and multiple service levels (Preventive, Basic, Major and Ortho) that members expect from all dental plans.

SmartPremiums are now offered because beam® aims to impact dental health and the costs of delivering care. A combination of better dental hygiene and affordable coverage means beam® is one step closer to serving the over 100 million Americans without dental coverage today.(2)

To learn more about beam® and receive a custom proposal for your company, or find out when the company will launch SmartPremiums in your state, visit http://beam.dental.

About beam®

beam® offers employers, individuals and families a unique approach to dental care. We accomplish more by focusing on prevention. All beam® SmartPremium plans include our connected brush, alongside automatic shipments of toothpaste and floss. Our accompanying app helps measure progress and rewards users for improving their dental health. beam® also makes it easy to find and access dental services with the tap of a finger. We're beam®, and we're reimagining the dental industry from the ground up.

beam® is proudly based in Columbus, Ohio.

(1) Based on Beam Internal Brush Data, 2016
(2) US Department of Health and Human Services: HRSA, http://www.hrsa.gov/publichealth/clinical/oralhealth/

Insurance products underwritten by National Guardian Life Insurance Company† (NGL), marketed by Beam Insurance services LLC, and administered by Beam Insurance Administrators LLC (Beam Administrators, in California; Beam Dental Insurance Administrators LLC, in Texas). beam® perks provided by Beam Perks LLC. beam perks® can be obtained separately without the purchase of an insurance product by visiting perks.beam.dental.
†National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.

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Alex Frommeyer
@BeamDental
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