Dental Insurance Consulting

Ruark Consulting’s Dental Insurance practice helps companies use data and analytics, especially our competitive information services, to develop business strategies.

Ruth Ann Woodley founded the practice in 2004 and uses her past experience as a national carrier’s dental actuary to design products for the industry’s unmet needs.  Our clients include all major national dental insurance carriers and many regional companies.  Our tools are used not only by actuaries at those companies, but also by network management, marketing, sales, product development, and senior leadership.

Ruth Ann Woodley

Ruth Ann Woodley
(860) 325-0188 |

Competitive Network Information

In 2005 RCL released the first national study of dental PPO network discount and size data. Today the Ruark Consulting Dental PPO Network Study is the industry’s leading source of objective benchmarking data. The study is conducted annually and is based on claim data representing over 75% of the market.

Participants receive information on savings from network dentists and also on effective discounts, which measure the savings a network provides across all claims in total. The use of the study’s effective discounts has been an important part of the growing industry focus on maximizing total network value: balancing the highest possible contracted savings with a broad network, rather than focusing on one of those factors in isolation.

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Other Benchmarking Tools

Ruark has also developed tools to provide competitive insights on claim rates per insured member in dental PPOs.  This data can help a dental plan assess whether their utilization rates are in line with the industry, or whether their utilization management practices and/or benefit designs might need adjustments.  The information can also drill down on particular services or types of services, and can allow a carrier to compare their utilization trends to the industry over time.  The data on utilization rates and networks combined – the two primary components of dental plan prices – can give a company insight into how their rates compare to the rest of the market, or validate other pricing feedback.

Other examples of our services include:

  • Surveys of ASO pricing for dental plans,
  • Custom surveys of industry plan designs, and
  • Custom surveys of competitors’ sales and underwriting practices.

Contact Information


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530 Hopmeadow Street
Simsbury, CT 06070

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(860) 325-0188