You’re finally ready to choose a dental plan for your employees – you’ve made a great decision! A majority of consumers consider dental benefits to be a “very important” part of the essential benefits package. Choosing a dental plan can be a confusing and complicated task, even to a seasoned business owner. The best plan for one company might not necessarily be the best plan for another. But what factors should you consider?
Age is an important factor in determining your employees’ dental needs.
-Employees between the ages of 20-39 are less likely to have poor oral health. This age bracket is also more likely to have children. They appreciate tools that encourage kids to practice good oral health habits.
-Employees between the ages of 40-59 appreciate a dental plan that covers more restorative procedures.
-Those in the 60+ age range are more likely to face chronic conditions and need a dental plan that helps manage the expenses associated with more complicated conditions, such as gum disease.
Prevention is key. While medical coverage primarily focuses on treatment, prevention is the key idea behind dental coverage. What types of services does the dental insurance plan cover? It seems like all policies are alike – but they’re not! Look for a plan that emphasizes preventive and diagnostic care. Most dental problems, such as cavities, are nearly 100% preventable with proper dental care.
Cost Management. Premiums are only one measure of a dental plan’s cost. A real cost-value measurement incorporates the carrier’s cost-containment strategies, cost-management history, fee arrangements with dentists and effective discounts delivered. A strong benefit carrier will also help the group’s employees manage their oral health by encouraging preventive care. This reduces long-term costs on the dental side, and could also have a significant long-term impact on overall health and health care costs.
Pick a plan with a large network. How many dentists will be in network locally? Do you have any employees that work in different states and/or regularly travel? Make sure your dental coverage offers you the most choice.
Regardless of the dental plan you choose, making the decision to give your employees dental benefits is the right choice. Delta Dental recommends that you consult with your broker or consultant when evaluating a dental plan. For more information on Delta Dental of New Jersey’s coverage, visit http://www.deltadentalnj.com/.