Group Dental Insurance can be a great supplemental policy to your main health benefit offering. In addition to allowing you to create a more comprehensive and competitive compensation package, dental insurance offers the following benefits:
Preventative Healthcare
With group dental insurance, receiving preventative dental healthcare is made much more accessible for your employees. Those who are insured are able to receive regular exams, cleanings, and x-rays that help them identify potential problems and stop them before they become worse and require more costly procedures.
Additionally, when people receive regular preventive healthcare, it is not just their oral health that is protected. Studies have shown inarguable links between bad oral health and life-threatening conditions like cardiovascular disease, respiratory infections, cancer, and kidney disease. Links have also been made between bad dental hygiene and arthritis, infertility, diabetes, and dementia.
Financial Risk Security
Dental insurance can safeguard policy holders from a great deal of financial risk. Dental problems are not uncommon, and when major dental health issues arise, treatment can be costly. Regular medical insurance usually doesn’t cover any dental procedures, so having the proper dental insurance is a must.
Let’s explore the various types of dental insurance plans you can make available to your employees:
Dental Preferred Provider Organization (DPPO)
DPPOs offer a network of dental providers that you can choose from without limiting yourself to a single primary care dentist. They typically offer annual deductibles and coinsurance while providing 100% coverage for most preventative care treatments. These include, but are not limited to, cleanings, routine examinations, and x-rays. Copays may be required.
Dental Health Maintenance Organization (DHMO)
DHMO plans are usually a more affordable option than some other dental insurance plans. Typically, they have no deductibles and just have a set fee for non-preventative dental services. Additionally, routine preventative care, like check-ups, x-rays, and cleanings are usually 100% covered. With this plan, you must choose a primary care dentist from within the server’s network, and you will have no annual maximum for covered services.
Dental Indemnity
Dental Indemnity is a more traditional dental plan as it is a “fee-for-service” plan. It gives you a lot of freedom in your plan. With it, you can freely choose your own dentist without having to pick one from the insurer’s network. Additionally, you aren’t required to have a referral to see a specialist or receive emergency dental care. Dental Indemnity plans usually have annual deductibles and coinsurance that require you to pay for any services out-of-pocket until the deductible is met.
Dental Exclusive Provider Organization (DEPO)
This plan allows you to choose between general dentists or specialists without needing a primary care dentist or referrals. DEPOs require you to choose dentists from within their network, and they usually feature both a deductible and coinsurance.
Dental Point of Service (DPOS)
This plan allows you to see dentists outside of your network but rewards you for staying in-network with lower costs. DPOS plans require you to choose a primary care dentist who will provide any needed referrals. Generally, this kind of plan has a higher deductible, plan premium, and copays.
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