GROUP DENTAL INSURANCE
Reasons Why All Employers Should Consider Offering This Type of Coverage:
Over the last several years there has been a growing trend toward voluntary dental benefits. In this economy, everyone is closely watching the value of their benefit dollar, so it’s important to consider many things before determining what type of dental plan makes sense for your company or business.
Affordable dental care will always be important to employers. National surveys continue to cite dental coverage as one of the benefits that employees value most. For example, 62% of employees view dental coverage as essential to their benefit package, according to a 2008 study by the National Association of Dental Plans (NADP). Various studies also show that solid dental benefits are important for oral health.
Advantages and Disadvantages of Providing a Plan:
When the employer offers a dental plan on a voluntary or employee-paid basis, the employee has the opportunity to get valuable coverage. In addition, employees trust that their company has done the work to choose a solid, cost-effective plan from a reliable dental benefit carrier.
An employer that pays a greater share toward employee benefits can have a distinct advantage over other employers going after the same labor pool. While this may not be as big an issue in times of high unemployment, two facts remain: The economy will eventually turn around and competition for the best employees can be fierce even in a tight economy.
At RJames Associates, Inc. we offer a wide range of choices that are sure to please even the most particular employer. We offer various plans that help meet the employer's need for a cost-effective dental benefit program and also to help employees manage the cost of dental care for themselves and their families. Fortunately, most traditional plans today offer liberal services that are focused primarily on helping employees maintain good dental health.
Some of The Available Options and Plan Features Are:
- Regular group and voluntary dental coverage available for groups of 10 or more lives
- Traditional indemnity, Preferred Provider Option (PPO) and scheduled benefit dental plans available
- Employee and dependent dental coverage
- Flexible plan designs with generous maximums available
- Benefits available for preventive, basic, major and orthodontic care
- Adult orthodontia option available for larger groups
- Prior carrier credit for groups with dental coverage for previous 12 months.
Making the Choice to Protect Employees’ Oral Health
Regardless of the dental benefits carrier they choose, employers should be commended for the decision to provide dental benefits to their employees. People with dental benefits exhibit more healthy behaviors and better oral health habits – including brushing, flossing and visiting the dentist more regularly – and are less likely to smoke.7
*7 NADP Report: The Haves and the Have-Nots: Consumers With and Without Dental Benefits, February 2009.
Let us assist you in making the right choice for your company dental plan. Just fill out the employer application located under the claims and quotes tab and one of our associates will get back in contact with you to go over your options.