Second to Health Insurance in popularity among employees is Dental Insurance. Dental coverage, like medical is an important component in maintaining an employee's overall health and well-being.
Dental insurance was once an employer-paid benefit within most organizations; however, it is increasingly becoming a voluntary benefit funded fully by employees. This is largely due to the rising cost of health insurance and the impact it is having on an employer's bottom line. Even though the cost for dental insurance is borne by the employee, its significance in the overall Employee Benefits program should not be overlooked or taken for granted.
Confusion abounds, as a multitude of dental coverage providers exist in the marketplace, some of whom are insurance carriers offering insured plans, while many who are not offer indemnity plans. Additionally, you can offer your employees single plans or dual plans having 2 tiers, 3 tiers, or even 4 tiers further compounding the confusion, yet ultimately providing greater flexibility in "fitting the plan" appropriately within your overall employee benefits package. Making sure you understand the subtleties and resulting implications is what we do for you. As with all employee benefits, our Benefit Counselors will assist you in selecting the best options for your unique situation, assuring the health and wellness of your employees and minimizing productivity downturns as a result of employee absenteeism.
Our philosophy with regard to dental insurance is...it’s a must! Plain and simple, if you don’t have dental insurance your employees will not receive proper dental care and this will affect much more than their teeth. Employees who fail to receive proper dental cleanings and maintenance are substantially more prone to sickness, which equates to lost time at work.
If you would like to learn more about offering dental coverage to your employees, or if you have a dental plan now and know there must be a better alternative, call one of our Benefit Consultants and we can help navigate you through the options, providers and funding arrangements.