Before diving into the details, I’d like to cover a few housekeeping items. This webinar is being recorded, and you'll receive a link afterward in case you'd like to reference it or share it. If you have any questions during the presentation, feel free to enter them into the chat or Q&A box located on the upper right-hand side of your screen. We'll address all questions at the end.

For those unfamiliar with URL Insurance Group, we’re a full-service general agency. Essentially, we serve as your back-office support system, handling the administrative heavy lifting so you can focus on what you do best—selling. Whether you work in individual, group, Medicare, or annuity markets, we’re here to be your advocate and resource in the ever-evolving world of health insurance. Our role is not only to support your existing book of business but also to bring new opportunities your way—some stemming from legislative changes, and others, like today’s contest, providing immediate revenue-building potential.

This exclusive contest, available only through URL and focused on Capital Blue Cross, is designed to help you grow your block of group business. With us today are several key representatives from Capital Blue Cross: Sarah Savage, Senior Sales Executive for Large Market; Jess Van Horn, Sales and Account Executive for Small Market; and Kaitlyn Fitzgerald, Account Executive for Mid-Market. Also joining us behind the scenes is Jen Neely, Senior Product Relations Consultant for Distribution Channels. They’ll walk us through the product highlights and further explain the incentive.

Now let’s take a closer look at how the contest works. It's straightforward. If you have a group medical plan with Capital—either new or existing—and you add dental coverage for that group with an effective date of June 1 through October 1, you’ll earn a $25 bonus per group. If you add both dental and vision, that bonus increases to $50. Similarly, adding an HSA alongside dental coverage also earns you a $50 bonus. At the end of the contest period, the top two producers with the most dental groups sold will each receive an additional $500 bonus. It’s a simple structure with a real opportunity to boost your revenue.

To help you get started, we have compiled a list of all your existing groups eligible for these additional products. I’ll be reaching out to each of our agent partners who work with Capital Blue Cross to provide the names of those target groups, along with the contest guidelines and support materials. If you have any questions, you can always reach me directly at www.urlinsgroup.com. In the meantime, you can download the handout in the top right-hand corner of your screen—it includes all the contest details and serves as a useful resource to help you hit the ground running.

Now, let’s turn things over to our partners at Capital Blue Cross. First up is Sarah Savage, who will walk us through the dental portion of today’s presentation.

Sarah greeted everyone and introduced herself as a Large Group Sales Executive, typically working with mid-market and large groups ranging from 51 to 499 lives. To kick things off with some engagement, she introduced a polling question: “What is the force of the human bite in chewing?” The answer, surprisingly, is 70 pounds per square inch—far stronger than many assumed, although still well below a shark's bite, which comes in around 4,000 PSI.

Sarah then transitioned into the dental product overview, emphasizing the strong correlation between oral and overall health. Regular dental care helps prevent more serious health issues and can mitigate the effects of chronic conditions such as diabetes. Dental benefits are also a selling point for employers because of the added administrative convenience. When dental, vision, and medical coverage are bundled with Capital, members receive one ID card with one customer service contact. This simplifies administration for both HR departments and members, from billing to enrollment changes.

She described the various dental plan options. The most common is the PPO plan, which offers national coverage and allows members to see in-network or out-of-network providers, with lower costs for in-network visits. Even non-covered services may be discounted under this plan. There is also the PPO Preferred plan, available for groups of 100 or more, which includes a smaller network of providers who agree to deeper discounts.

Next, Sarah discussed the Dental EPO plan, which offers a simpler copay structure for services received in-network and does not cover out-of-network services. Another option is the Select Value plan, which functions similarly to an HMO, requiring members to choose a primary care dentist and offering fixed copays with no deductible or waiting period.

She highlighted that Capital Blue Cross has one of the largest national PPO networks, with 480,000 in-network providers and 96.5% of members living within 10 miles of two or more in-network dentists. In addition to robust access, Capital offers two months of free dental coverage when dental is purchased alongside medical. This benefit is built into rates and available to groups of fewer than 100 lives.

Sarah also touched on value-added programs. These include in-network access to SmileDirectClub, a service offering clear aligners for members aged 12 and older, and teledentistry through Digabyte, which can provide virtual dental consults and even prescriptions for issues like infections or tooth pain.

Next, Jess Van Horn introduced the vision portion of the presentation with a surprising fact: it is actually possible to receive surgery that changes brown eyes to blue, thanks to a procedure revealing the blue pigment underneath. Jess, who works with Capital’s small market segment, highlighted the importance of vision care not just for sight but for overall health. Routine eye exams can detect chronic conditions like diabetes and hypertension and are increasingly recognized by employers as a valuable benefit.

She described Capital’s vision plan, which includes routine exams, lenses, frames, contact lenses, LASIK discounts, and mail-order contact options. Members can use over 112,000 in-network providers through National Vision Administrators (NVA), and they have access to additional tools like the Vision Benefit Maximizer, Smart Buyer program, and call center support to help them maximize their benefits. Members can also visit out-of-network providers, though they may have to pay more and submit claims manually.

Following that, Kaitlyn Fitzgerald covered Capital’s HSA offering, managed by Further by HealthEquity. She explained that this private-label HSA solution offers a streamlined experience for both employers and employees. Further supports onboarding, education, compliance, and administration, which is particularly helpful for small HR departments managing multiple responsibilities. The platform offers a seamless, integrated experience for employers and members via Capital’s portal, eliminating the need for multiple vendor logins.

There are several pricing tiers for HSAs: a premium account at $3 per member per month with higher interest rates, a select plan at $2 per month, and a value plan at just $1 per month. All offer competitive features and flexibility in funding options, whether employer-paid or employee-paid. Kaitlyn emphasized the ease of implementation and ongoing management, with integrated portals, a mobile app, real-time account access, and educational resources. Even if a group leaves Capital, their HSA accounts can remain active, and employees can continue to use their cards and access their accounts.

Kaitlyn wrapped up by encouraging agents to reach out to any member of the Capital sales team or URL for assistance in implementing HSAs or answering questions about transitioning from other vendors.

Deb returned to close the session, thanking everyone for their time and reiterating the goal: to equip you with the information and tools needed to grow your business by offering dental, vision, and HSA products. She reminded attendees that URL has already identified target groups that are not yet enrolled in dental or vision, and those lists will be sent out directly. This is your opportunity to connect with those clients, offer value-added solutions, and earn bonus income through the contest.

The contest applies to groups with effective dates of June 1 through October 1. Bonuses will be paid 30 days after the contest period ends—so activity from October will be paid in November, and final contest payouts will be made in late November or early December.

There were no immediate questions at the end of the session, which Deb took as a sign that everything had been clearly explained. She closed by expressing her gratitude to the Capital Blue Cross team for their partnership and support in launching this exclusive incentive.

Thank you again for joining us. Please reach out with any questions—we're here to support you and help you succeed.