Dental Insurance Makes Good Sense
- Providing dental insurance will help attract and retain your best employees.
- Dental insurance is affordable and something employees want.
- Routine preventive dental care will go a long way in keeping your employees healthy.
Unlike other types of insurance, dental plans are not a safety net against an unlikely event in the way that emergency medical services or homeowner’s insurance is. By opting for group dental insurance, you can lower the cost of your premiums while still enjoying the benefits of regular dental cleaning and checkups.
Some points to consider when choosing a Group Dental Plan:
- Premium & Coverage – The cost of a group dental plan, also referred to as the premium, is usually an important factor for most people when choosing coverage. For the most part, these premiums will correlate with the level of care that’s covered by the insurance plan–like anything else, you get what you pay for when it comes to dental insurance. Though there are limits on dental coverage (see below), there are several basic treatments that should be included as a covered benefit in a group dental plan. These include things like cleanings, tooth fillings, X-rays and root canals. The extent to which they are covered may vary from plan to plan, but most dental insurance plans should meet these criteria.
- Coverage Limits – For the most part, insurance carriers that offer group dental plans will have individual coverage limits that cap out annually, usually between $1,000 and $2,000. This is an important consideration, especially if you anticipate needing major oral surgery because you’ll have to cover the expenses that exceed the yearly plan limit.