Benefits are coveted by employees, among these are dental insurance or dental health plans. Increasing employee satisfaction by offering this simple benfit makes sense finacially. It has been proven that dental health is just as important as general health. Employees lose as many days to dental pains and problems as any conditon, which is a loss to the employer.
Dental issues as compared to general medical problems are less expensive and anticipated. Providing dental insurance to employees becomes a good option financially when viewed from these points. Most dental conditions are avoidable with routine examinations and minimal expenses. Early diagnosis keeps dental costs inexpensive, and prevents time lost from work due to complications. The economical and practical reasons for dental health afford self funding. Unlike other health insurance, dental benefits have historically not shown any extremes.
When considering dental insurance for the employee, it is important to thoroughly review all the available plans.
You need to think about a dental insurance plan as an agreement between yourself and the dental insurance company. In most cases, dental insurance plans are designed to allow for a partial reimbursement for expenses associated with dental treatment. On the other hand, some plans will restrict employees to a specific network or dentists or will discourage some types of treatments. In order to get the best possible plan for your budget, you will need to research these restrictions and limitations very carefully. Offering a plan to your employees that will not allow them to see their current regular dentist or that restricts them from treatments that their regular dentist feels is very necessary can make for a very negative experience.
Many plans do not cover pre existing conditions. Some may not cover implants and so on. Due to these preconditions, the final treatment may be paid for in part only or in insurance parlance you might be reimbursed for LEAT (Lease Expensive Alternative Treatment). Dental insurance plans vary in fixing the UCR (usual, customary, and reasonable) in a certain geographical area. UCR may vary from plan to plan and company to company despite operating in the same area.