4 Tips for Choosing an Employer-Sponsored Dental Coverage Plan
Job seekers often list dental coverage as one of the most important benefits an employer may provide. In today’s competitive environment, a solid benefits package can help companies find and retain top talent, and dental coverage rounds out such a package. However, many business owners don’t know what to look for. Below are a few tips to help owners choose the right dental plan for their employees.
Understand Workers’ Needs
Learning the company’s dental health needs is the first step in evaluating coverage options, as different demographics have varying challenges. For instance:
- Workers aged 20-39 typically face fewer oral health difficulties, and they benefit most from plans that provide preventive care, checkups, and basic cleanings.
- Employees aged 40-59 may require restorative dental work, and they benefit from plans that help them manage oral health difficulties.
- Employees 60 and over are nearing retirement and they’re more likely to face chronic dental conditions. They benefit from plans that help them manage the expenses associated with complex procedures.
Learn About the Size of the Plan’s Network
Employees are more likely to be satisfied with their plan if their current dentist is in the network. Having a larger network improves utilization rates because more employees are visiting in-network providers. The entire group saves money on claims, which is a satisfying outcome for all involved.
Focusing on Preventive Care
Strong providers help employees manage oral health by encouraging them to receive preventive care. This reduces the provider’s long-term expenses, and it may reduce overall healthcare costs as well.
Consider Enhanced Coverage
The Surgeon General’s office notes a correlation between healthcare costs and periodontal disease, and assorted studies point out more connections. For little to no premium increase, a carrier may add enhanced benefits for those whose medical conditions may benefit from supplemental oral healthcare. This group may include those with diabetes, pregnant women, and those with certain cancers and immune conditions.
Choosing the right dental coverage can make the difference between attracting top talent and settling for second best. By following the tips in this guide, small business owners will be able to find plans that meet employees’ needs.