Dental care can be very expensive, especially when it comes to emergencies. Many businesses now offer their employees dental insurance coverage, and this can be a great way to build employee satisfaction and attract high-quality candidates to your job openings. After all, dental care is not just about aesthetics; it can have a big impact on overall health as well.
If you are a business owner or HR manager who is looking to offer a dental insurance plan for your business, whether it is a large, medium or small business, it is important to understand the different types of coverage available so you can choose the best plan to meet your needs.
Dental Insurance Coverage
Many dental plans are designed with the idea of managing routine dental care costs better in hopes of preventing major issues from developing. People who do not have dental coverage are less likely to get routine dental care, and major health problems such as heart disease and diabetes have been linked to poor oral health.
When you offer coverage to your employees, you may be able to enjoy a better price because the risk will be spread across all the members of the group being covered. You can generally choose from flexible payment options that allow you to pay all, some, or none of your workers’ premiums. Keep in mind that some plans may have waiting periods in place for certain dental services; get all the facts before choosing a plan.
Dental insurance coverage is often available in different formats. For example, with a DPPO plan, employees may be required to reach a certain deductible before their plan will start paying. This will not be the case with many DHMO plans, however. Some plans will also have an annual maximum in place, which represents the amount of money the plan is willing to pay toward a person’s dental care in a given year. Employees may be required to pay any excess out-of-pocket costs for care that exceeds this amount.
Basic Dental Services
Basic dental services are covered by most types of plans, and this typically encompasses emergency treatment for dental pain and simple fillings. It may also cover simple extractions and certain types of crowns and X-rays.
Major Dental Services
Major dental services include retainers and procedures such as root canals. Other services that might be covered include dentures, bridges, endodontics, oral surgery, periodontal maintenance, and gingivectomy. These services may be subject to waiting periods and the plan’s deductible.
Preventative care will cover checkups and routine cleanings as well as fluoride treatments and sealants for younger patients, and this category of coverage will often come without a deductible or waiting period. This may also cover certain types of X-rays.
Reach Out To Experienced Benefit Consultants
If you would like to learn more about the right dental plan for your employees, reach out to the experienced benefits consultants at New City Insurance to discuss the best approach. We can explain all the details of the different plans available and outline the costs and coverage so you can make the most informed decision possible. Please give us a call at 888.210.2759 or request a consultation online.