This is a podcast on Dental Insurance...but before you dismiss dental as just a small subset of insurance or employee benefits, you may want to listen in to this episode. Beam Dental is the first digital native dental insurer. They use data to underwrite risk in the same other insurers underwrite their exposures, which is a departure from the slot-rating that most benefit companies employ. The Beam Brush, is a connected toothbrush that informs beneficiaries with info on their dental wellness and qualifies them for insurance discounts, aligning everyone's interests.

Perhaps more importantly, Beam's business model is evidence that a wellness-based alignment works. And perhaps this is a model we can use to align health insurance and wellness? It's hard to not get excited about how Alex Frommeyer and Beam are working this problem!