MarketRadar · See every move first
47 competitive signals this week.
Continuous, dental-specific competitive intelligence wired into pricing and filing decisions. Every public SERFF filing in VA, WA, WI and NJ — parsed, classified, and benchmarked the day it lands.
Filings tracked YTD
1,284
23 competitors monitored
Avg detection time
14h
after SERFF posting
Revenue opportunity
$6.4M
surfaced & in pipeline
Projected share gain
+3 pts
12-month target
Live competitive signals
Detected within hours of SERFF posting · ranked by upside × urgency.
Delta Dental filed +6.4% rate increase on VA Small Group PPO
Encara now sits 4.1% under-market on 25–49 life groups. Auto-drafted +3.8% counter filing in FilingIQ ready for review.
$1.6M
30d window
Cigna launched WA pediatric Plus rider with orthodontia carve-in
8 of Encara's top 20 broker partners requested similar feature in past 90 days. Product gap analysis suggests 14–18% conversion lift.
$2.1M
60d window
Humana expanded WI network by 312 providers in Madison & Milwaukee
Network adequacy advantage erodes if not matched within 90 days. 4 of those providers are top-quartile by Encara member visits.
$480K
90d window
NJ DOBI objected 3× to UHC's actuarial trend justification
Same trend methodology used in Encara's pending NJ entry filing. FilingIQ pre-empted with revised exhibit; reduces objection risk by ~70%.
$220K
21d window
Renaissance added cosmetic dentistry rider on Max Choice
First mover in the segment in VA. 2-year window before parity becomes table stakes — opportunity to bundle with Smile Essentials Plus.
$350K
120d window
Guardian filed -1.2% rate decrease on WA individual market
Aggressive acquisition play. Encara likely to lose ~140 individual lives at renewal unless retention bundle deployed.
$890K
45d window
Rate benchmark engine
Encara vs market avg vs leader (2026 dental rate filings)
Product gap analysis
Features competitors offer ranked by member demand
Orthodontia carve-in (pediatric)
GapCosmetic dentistry rider
GapTele-dentistry virtual consults
Have itImplant coverage (>$2K annual)
GapGroup dual-coverage auto COB
Have itGenAI Recommendation Engine
Turn these signals into a prioritized growth plan
AI synthesizes signals, benchmarks and gaps into 3–5 actions across FilingIQ, DocsIntel and DualEnroll.ai — with quantified upside.