Benefits Of Offering Dental Insurance Coverage To Your Employees

Considering how expensive oral care can be, dental insurance coverage continues to

be one of the most sought after employee benefits that people are hoping to find in the companies they are working for. Aside from the fact that dental health is important, it can also mean man hours lost whenever an employee suffers from toothaches or other dental issues.

For companies who would want to hire and retain the best of employees, offering a dental insurance makes sense. The common observation is that dental illnesses do not pose as high a risk as other medical conditions and may easily be prevented, if proper oral care is maintained. By providing a coverage that does not only handle teeth extractions, but also annual dental check ups, fillings and installing crowns or bridges, a company can help their employees have less sick leaves caused by dental conditions.

Choose the Best Dental Insurance Coverage

Company dental plans usually are limited to about fifty percent reimbursement of dental expenses. Some plans do not allow for extra dental augmentations like teeth whitening, expensive teeth implants or braces. One feature that most dental plans have is that it only provides access to its own group of dentists that they have on an "accredited list".

In some agreements, it becomes the liability of the employee to pay for the difference between what the insurance company is willing to cover and the actual cost of his dental treatments. There are some maximum amount limits that insurance companies are willing to cover and if your dentist charges way above what is set on your insurance coverage, then you would have to pay the difference. There are also employee dental insurance plans that will not pay for pre existing conditions.

Criteria For Choosing the Best Employee Dental Insurance Coverage

In choosing the right dental insurance coverage for your employees, consider the following:

1. Are the premiums being charged by the insurance company competitive in the market?

2. Will the employees be allowed to choose their own dentists?

3. Does the insurance plan allow for dental emergencies like oral surgery, root canals and serious periodontal infections?

4. Will the plan cover x rays, fluoride applications that may help the employee prevent tooth decay in the future?

5. Are the maximum caps for each treatment that the insurance company has prescribed reasonable and within the regular costs of dental care?

The health of your employees is important for them to conduct their jobs properly. Offering them a dental insurance coverage is one of the best things a company can do for its employees. Choose the right insurance company and make sure you read the fine print of the insurance plan before you sign up.

by: S.Brooks

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