Understanding the importance of dental coverage to both your workforce and company is the key to an effective Group Dental Plan.
Why Dental Insurance Matters
Dental health is an integral part of overall health and plays a crucial role in maintaining a high quality of life. Routine dental check-ups, cleanings, and preventive care are essential for preventing oral health issues and addressing any concerns promptly. However, the cost of dental treatments can be prohibitive for many individuals and families, leading to deferred care or financial strain.
For those reasons, many individuals seek employers that provide dental coverage. If your competitor provides this coverage and you do not, you have a workforce retention / recruiting disadvantage. Alternatively, the tides can be turned. Your company could be offering benefits and acquiring more skilled, dedicated employees.
Key Features of Dental Insurance Plans
- Coverage for Essential Services: From routine exams and cleanings to X-rays, fillings, and extractions, dental insurance plans can cover a wide range of essential services. You can choose which types of services your plan offers, and the percentage of the price it covers.
- Affordable Premiums: Affordability is a significant concern for many individuals and their businesses. We understand, and its why we don’t settle for the first price we get. We quote with multiple insurance providers to get you the best price.
- Flexible Coverage Options: Flexible coverage ensures that you don’t pay for areas you wouldn’t use, and that you cover what matters most to your company. Whether you’re a small business, or a large corporation, there are gaps to be closed and specific needs to be met.
Group Dental Insurance with Barnett & Associates
Dental plans among other group insurance products can be a vital part of your job offering, and it doesn’t have to be a daunting task. When the time is right, we are here guide you through the possibilities and tailor a plan specific to your company at the best price.
Group Dental Benefits: Questions and Answers
Yes! Dental benefits provided through a program are a non-taxable benefit. This favourable tax treatment has allowed the group benefit market to develop around it. What an employer can buy is generally far and above what an employee can buy for themselves.
Group dental can include basic & preventive, major and orthodontic services. The coverage percentage and amounts are chosen by the plan sponsor.
There are multiple plan types with group dental:
- insured experienced rated
- insured pooled
- self insured
All plan types can be good it just depends on your situation.
The insurer or service provider generally pays the dentist for your covered services within the limits of the plan.