Oral health plays a major role in overall health and wellness. In fact, the condition of a person's teeth and gums are often an indication of more serious health concerns. It should be a mark of pride that you provide your employees with dental insurance.
The Benefits of Providing Employees with Dental Insurance
Both you and your employees will reap great rewards from having quality dental insurance coverage. Here are just some of the perks:
• Better health for employees. Oral health issues have been linked to serious inflammatory health problems such as heart disease and diabetes. Employees who also have a dentist on their personal health team have one more expert to ensure that they are healthy and well from head to toe.
• Lower costs for you and your employees. Whether you offer self-funded employee health insurance or fully insured employee health insurance, the reality is that healthier employees translates to fewer sick days and fewer medical claims. And these facts result in lowered medical costs, no matter who is footing the bill.
• Satisfied employees. Dental health is easily overlooked, and it is one of the first things to be eliminated when the budget is tight. Employees are happy to have coverage for themselves and their families, especially employees with young children and those undergoing orthodontic care.
• Dedicated employees. Because dental coverage is so often eliminated from employee insurance plans, your employees will be that much more dedicated to your organization and their job because they are thankful for the benefits you offer. This perk for employees will also be an attractive element of your benefits package when courting new employees.
• Better-performing employees. Here's the reality: People who know they have good teeth are more confident about their appearance, which means they are more confident about how they appear to others. This feeling will lead employees to be more confident in the work they do for you. It doesn't hurt – for you or your employees – that people with nice teeth are perceived as more attractive, smarter, healthier, and happier.
What to Expect from Dental Benefits
Just like all the insurance benefits you offer, not every employee will opt for the dental coverage you provide. However, it still makes sense to provide this coverage at a reasonable cost.
Dental plans cover a range of preventive and restorative care and procedures for employees and their dependents, whether completely or at discounted rates, and often include:
- Two annual dental exams
- Two annual teeth cleanings
- One annual set of x-rays
- Root canals
- Gum disease therapy
- Dental implants
- Crowns and bridges
- Oral cancer screenings
You can be paired with a dental insurance provider that offers competitive and flexible dental plans. Dental insurance can be completely employer-paid, 100 percent employee-paid, or be arranged as a shared cost between employee and employer.
Plans can include no deductibles for in-network preventive services, and cost savings for choosing to use in-network providers. Out-of-network providers are usually still an option, but benefits may be reduced and costs will likely increase.
The Choices Employers Must Make About Dental Insurance Options
As the insurance plan sponsor, employers often need to choose between including dental benefits with their health insurance plan or selecting a standalone dental insurance carrier.
Many companies prefer a separate dental carrier as a cost-effective solution (claims are often paid faster thanks to a dedicated infrastructure) and because the dental care insurance system is simply so different than the medical insurance system.
There are many questions surrounding the addition of dental insurance to your employee benefits, from whether pediatric dental visits fall under health insurance or dental insurance, to the ease of transitioning to a new medical carrier when dental is involved. Allow our experts at The Benefits Group to help pair you with the dental insurance carrier that is right for your company, employees, and financial goals.