Dental Insurance Applying Made Easy

Our Mutual Dental Preferred and Mutual Dental Protection insurance policies with an optional vision care rider, underwritten by Mutual of Omaha Insurance Company, offer a great opportunity for you to increase your sales. Our dental products are available in all states except Massachusetts and  New York.

Whether you prefer an e-App or paper, taking an application couldn’t be easier. And if you are already selling one of our Mutual of Omaha or its affiliates Medicare supplement plans, the transition to a dental sale is simple.

DENTAL E-APP
You have two options for taking a dental e-App, depending on the situation:

1. A stand-alone Dental e-App – perfect for those who already have a Med supp or Med Advantage plan and wish to add dental insurance; or
2. Seamlessly move from the Med supp e-App to the Dental e-App after completing the Med supp sale.

For ease and convenience, use the Dental e-App located on Sales Professional Access (SPA) www.mutualofomaha.com/broker under “Sales Tools – Electronic Applications”.

Three Easy Sections:

1. PERSONAL

Start with a quote.

All that is needed is your client’s ZIP code. You will receive a quote for both the Mutual Dental Preferred and Mutual Dental Protection insurance policies. Once your client chooses a dental policy, a quote for the optional vision rider will appear. If they select the vision rider, the total monthly premium will recalculate and appear on the screen.

Note: Available on the quote page – and all subsequent pages of the application – is a link to access the dental provider network. The link can be found under “Initial Documents”. The initial documents, which can be emailed to your client, include a copy of the application and the outlines of coverage for both dental policies.

2. PAYMENT

Answer the questions regarding existing coverage. Depending on the applicant’s product choice and his or her answer to the coverage questions, the e-App only reveals the questions that are needed.

Select a payment option and provide any applicable information. Payment options include:

• Initial premium payment
  • Credit Card, or
  • Automatic Bank Withdrawal
• Renewal Payment
  • Automatic Bank Withdrawal, or
  • Mail payment

3. REVIEW

• Provide your writing number
• Select Policy delivery (Applicant or Producer)
• Click on the statement: I/We acknowledge that if the applicant is replacing coverage, I/We have provided a copy of the replacement notice, if applicable.
• Click Submit

You will see a Thank You confirmation screen with an authorization number and other important information to provide your client regarding their options to e-sign or voice-sign their application.

Transitioning from a Med supp e-App to the Dental e-App

Quoting
When you provide a quote on the Med supp e-App, a Dental quote will also be provided. You can take this opportunity to talk to your client about applying for a dental policy. You will be presented with the opportunity to apply at the end of the Med supp e-App. Included with the dental quote will be a link to the dental provider network should your client wish to know who is in the network in their ZIP area or specifically if their dentist is in the network.

Applying
After completing and submitting the Med supp e-App, as the writing agent, you see the Thank You page. Scroll down and you will find the dental quotes. If you select “Apply Now” you will be redirected to the Dental e-App. The Dental e-App will be pre-populated with the applicable information collected on the Med supp e-App. Complete any additional information and/or edit any information if necessary. This sale will appear on your Dental e-App Dashboard.

Note: If the applicant applies for Med supp and Dental, two separate signatures are needed – one for the Med supp application and the other for the Dental application. While you can take the applications seamlessly through e-App, they are two separate policies that require two separate signatures from the applicant.

PAPER APPLICATIONS
You have two paper application options:

1. A stand-alone paper application, or
2. A dental application in the Med supp application book. This is provided for the convenience of cross-selling Dental with a Med supp. When you are taking a Med supp app you will always have a Dental app readily available.

Order your dental application books through your normal channels.

Quote App
The dental rates are available on the Mutual of Omaha Quotes for Sales Professionals app. If you haven’t already downloaded the app, you can access it from the Apple App Store or Google Play.