That January first the key is not when it's sold the key is the effective date and so the stated very Explicitly when you get towards the end of the year do our hearings you can to get that plan effective still in because then they just have to wait another week or two in late December to get that bump Tooth polisher on January st rapid thing is up here is I already mentioned the calendar your deductibles the annual maximum is either or they can choose the meal to buy how much insurance they want to buy there's also child or so benefits just like the major it's day or so after January st and sr benefit so the one variable with that.
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Plan is the maximum the second variable is a network you can buy your plans as network plans or non network plans and we're kind of unique in this regard we give full transparency to the difference between the two and we let the clients pick how they want to utilize the benefits so if they're going to go and network you should sell them the network plan the premiums are less if they want to go out of network they'd be much better off to buy the non network plan the premiums are more but then they get the flexibility to go to any dentist but the network's pretty large over.
Access points nationwide average discount is so that's where are you know with us being really a dental focused company that's where it really comes into play because we've got a much larger network than what we did say like when I was at my old company security life's security life is where I started these product lines with another gentleman about seven years ago now and we released a network carrington I'll just say it.
Dental wishes
It's because it's nothing wrong that's a good network for being a leased network but the reality is you know they had about, access points give or take which is you know about you know about two fifths of what emeritus has but it's not just the number of access points it's kind of who you have in your provider directory and how many of your clients actually utilize them and so our utilization was quite low back then I think it was in the teens if I remember correctly like only of people that had our dental plans actually utilize the network then you've got the discount right and if you've got a very skinny network you can get a discount like maybe.
If you've got a really wide network you might only get a discount you know Delta by way of example their average discount with their premier network which is the really big one is literally zero with us we're going to try to retain at least a average discount so it's a little bit of a teeter totter in terms of how big the network is versus a discount but we're going to strive to come and give the best of both worlds in that regard in terms of for care a senior an average spends dollars per year so for those of you focus more on the Medicare space that's a big deal let me give you a kind of an analytical number showings of the savings
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