Tips on Finding the Best Dental Plan for Your Employees
As most people are aware, dental issues can cause a huge amount of pain, discomfort, and issues. Unfortunately, due to the costs associated with dental treatment, many people are unable to afford the attention that they need to rectify dental issues and this can make matters worse. For businesses, this can equate to bad news because it can mean employees having to take time off sick with severe dental problems. This amounts to lost time, a reduction in productivity, and a knock on effect on the business’s bottom line.
One way in which you can combat this issue and protect your employees is to provide them with dental coverage. A good dental plan will ensure that your employees are able to get the treatment that they need when dental problems arise. This can make a big difference in terms of catching the problem early on, which means that it won’t be left to fester and your employees are less likely to end up taking time off work. A dental plan is also a great perk for employees and will help to make them feel more valued and cared for by their employer. In addition, if you are recruiting new staff it will serve as a valuable incentive to attract more applicants when you advertise a job role. You will also be able to more easily retain valued employees if you offer health benefits such as dental coverage.
In summary, offering a dental plan to employees can help to:
- Reduce sickness levels and employee time off
- Improve productivity in the workplace
- Help you to retain valued staff
- Attract new talent when you have jobs available
- Boost staff morale and make them feel more valued
How to find the right dental plan for your employees
If you are looking for a suitable plan that you can put into place for your employees, there are various factors that you should consider. You want to ensure that your employees get the best dental care possible as part of the benefits package. However, you also need to be mindful of your business budget. Therefore, you need to strike a balance between cost and features of the plan. Some of the key considerations when you are choosing a dental plan for your workers include:
Find a reputable dental plan provider: You should always make sure you choose a reputable dental plan provider for your business dental plans. This will enable you to benefit from a comprehensive plan, a choice of services, and hassle free processes.Look at the cost of the dental plans: You need to make sure that you look at dental plans that are within your business budget but that also offer value for money in terms of the benefits compared to the price. Look at plans that are affordable but that still offer a wide range of benefits and features.
Check on what is and is not covered: The coverage can vary based on the plan and provider that you choose. You, therefore, need to look at what is and is not covered under the dental plan so that you can make an informed decision with regards to which plan is going to be best for your employees.
The range of plan options available: Many providers offer a range of dental plan options, which means that you have greater choice. This makes it easier to find the right plan for the needs of your business and employees. Make sure you check to see what the plan options are from the provider you are considering.
Always check the small print: You will find a lot of valuable information in the small print of any insurance plan including dental plans. You should, therefore, make sure you always check the small print before you sign up to anything, as this will provide important details that you might otherwise miss.
Annual coverage limits: You should also check to see whether the plans come with annual coverage limits and what they are. This will make it easier for you to make an informed decision with regards to which plans are going to be most suitable for your employees.
All of these are important factors that you need to take into account when you are choosing a dental plan for your employees and your business. By considering these points, you can make a more informed decision with regards to the plan that you select.
Different coverage levels
As mentioned above, providers tend to offer a range of plans and these come with varying levels of coverage. Again, you need to look at the features and benefits of the plans along with the costs involved in order to choose the most suitable option. The main coverage levels available include:
Full dental coverage: This is the most comprehensive type of plan. They tend to cover a variety of procedures including cavity fillings as well as annual checkups and cleaning. In addition, they generally cover part of the cost of major procedures such as root canal work
Minor dental coverage: With this level of coverage, minor procedures are generally covered such as cavity fillings. Also the cost of annual checks and cleans is covered as part of the plan.
Basic dental coverage: This is the cheapest but most basic of the dental plan variations available. This type of plan tends to cover the cost of just the basics, which includes annual checkups and teeth cleaning. However, other procedures may not be covered under this type of plan.
While the most basic coverage is the cheapest one, it is important to bear in mind the long-term financial effects on your business. Although a more comprehensive plan may cost a little more in terms of premiums, it could save your business a lot of downtime in terms of employee sickness and time off. You, therefore, need to look at the bigger picture when making your choice.