FilingIQ · Market Intelligence
Competitive Intel
Real-time monitoring of competitor rate and form filings across Encara's 4-state footprint. Sourced from SERFF, NAIC SBS, and state DOI portals — refreshed every 6 hours.
Tracked Filings (90d)
142
↑ 18 vs prior 90d
Avg Competitor Rate Δ
+5.8%
vs. Encara avg +3.6%
High-Priority Alerts
2
Both in NJ market
Carriers Monitored
14
across 4 states
Trend
Avg requested rate change — competitors vs. Encara
Market Share
Individual dental — by state
AI-Surfaced Insights
5 new this weekCigna NJ rate +7.8% with embedded pediatric EHB
HighCigna's NJ filing materially undercuts Encara's NJ entry economics. Recommend re-pricing ENC-NJ-2026-01 by +60–110 bps.
Aetna NJ requested +8.6% — highest in market
HighLargest YoY rate ask in NJ individual dental. May give DOBI cover for Encara to push above 4%.
Delta VA added adult ortho
MediumDelta PPO Premier now includes adult ortho with $2K lifetime max. Encara Smile Essentials PPO is silent on adult ortho.
MetLife VA: tele-dentistry as preventive
MediumTreating virtual consults as preventive (no copay) — emerging table-stakes benefit. Consider for 2027 form refresh.
Guardian NJ raised annual max to $2,000
LowEncara products in NJ still at $1,500 annual max.
| Carrier | Product | State | Type | Rate Δ | Status | Filed | SERFF |
|---|---|---|---|---|---|---|---|
| Delta Dental | Delta PPO Premier | VA | Rate+Form | +6.4% | Filed | 3d ago | DDVA-134215789 |
| MetLife | TakeAlong Dental PPO | WA | Rate | +5.1% | Approved | 28d ago | METX-092113344 |
| Cigna Dental | Cigna Dental 1500 | NJ | Rate+Form | +7.8% | Objection | 41d ago | CIGN-202610021 |
| Guardian | Achiever DentalGuard | VA | Rate | +4.9% | Approved | 47d ago | GRDN-261140075 |
| Humana | Loyalty Plus PPO | WI | Form | — | Filed | 9d ago | HUMD-261101101 |
| United Concordia | iDental Plus | WA | Rate+Form | +3.2% | Filed | 14d ago | UCCI-260300312 |
| Aetna Dental | PPO Max | NJ | Rate | +8.6% | Filed | 6d ago | AETD-263400701 |
| Delta Dental | Delta PPO Basic | WI | Rate | +5.8% | Approved | 33d ago | DDWI-260260019 |
| MetLife | Federal Dental High | VA | Form | — | Filed | 11d ago | METX-261212012 |
| Cigna Dental | Cigna Dental 1000 | WA | Rate | +4.3% | Approved | 38d ago | CIGN-260404004 |
| Guardian | Diamond DentalGuard | NJ | Rate+Form | +6.9% | Filed | 19d ago | GRDN-262602002 |
| Humana | Complete Dental | VA | Rate | +5.5% | Filed | 8d ago | HUMD-260606006 |
Benefit Matrix · Virginia Individual
How Encara stacks up against the top 4 carriers
| Benefit | Encara | Delta Dental | Cigna | MetLife | Guardian |
|---|---|---|---|---|---|
| Annual MaxGap | $1,500 | $1,750 | $2,000 | $1,500 | $2,000 |
| Pediatric EHB | Embedded | Embedded | Embedded | Optional | Embedded |
| Adult OrthoGap | — | $2,000 LTM | $1,500 LTM | — | $2,000 LTM |
| Implants | Major 50% | Major 50% | Major 60% | Major 50% | Major 50% |
| Waiting Period (Major)Gap | 12 mo | 6 mo | 6 mo | 12 mo | 6 mo |
| Tele-dentistry | Covered | Covered | Covered | Preventive | Covered |