At Last - A Voluntary Group Dental Plan That Works for Employers Too!

The majority of employers feel an obligation to help look after and protect their employee's health, and if they can do it at no cost to their business then it's all the better.

But is it?

The problem with most voluntary group plans is the insurance company needs to send a group of agents to your place of business, where they want to meet one on one with your employees, during working hours!

Obviously, removing your employees from their duties is a direct cost to your business, and during such difficult economic times it may be a cost you cannot afford.

Having said that, a good benefits package remains a priority for both employers and their employees, so is there a way to avoid the loss of all those man hours?

Actually there is.

Because of the massive technological advances we have all made, it's now possible to set up a group discount dental plan without the need for any of your employees to meet with an insurance agent. In fact a group dental discount plan can even be set up without the employer or their representatives having to meet with an insurance agent at all. To most business owners this is a huge relief!

The benefits of a group discount dental plan to your business are identical to those offered by traditional voluntary insurance:

1 It's an easy way to boost your benefits package and help increase the morale of your employees

2 It works for any business, regardless of size. From just 3 employees up to 100,000 or more, you can provide the same protection at no cost to your business.

3 Your employees can pay with pre-tax dollars because the plan is eligible for a section 125 cafeteria plan.

4 Helps to establish a healthier and more financially responsible workforce

How is it possible to set up a group dental plan without meeting with employees?

Because discount plans are not regulated by the insurance industry, applications can be completed by employees, on their own, in their own time.

As most employers know, dental is the second most requested benefit after health insurance. Discount dental plans now make it possible for any employer to provide their employees with dental benefits at no cost at all to the business, either financially or in lost man hours.

There are three things an employer needs to check when evaluating a group discount dental plan

1 Does the plan have a sufficient number of participating dental providers in your area? Any plan that does not provide this information upfront should be avoided.

2 Monthly membership fees. Individual coverage should not cost more than $9 per month.

3 The cost of procedures. If a plan does not provide a full fee schedule for your State, upfront, it is likely your employees will find some nasty surprises down the road. (Do not base your decision on national averages as costs vary from State to State)

Discount Dental Plans can save your employees up to 70% on dental procedures. They do not have waiting periods and all types of oral healthcare are covered, including orthodontia. The other benefit worth noting is there is no annual limit; discount dental plan members can use their card as much as they need without restriction.

It's not surprising then that more than 10 million Americans are currently using discount dental plans to provide affordable dental care for themselves and their families.

A final observation for Employers

The gross cost of a group discount dental plan can be less than $7 per employee. That being the case many employers have decided to make this type of dental plan non contributory.

While the cost to the business is small, the perceived value of a non contributory plan to the employees is high, allowing the employer to increase employee morale and loyalty for a marginal cost.

With such a difficult economic environment to deal with, providing an affordable non contributory dental plan could just be a stroke of genius?

Food for thought I suggest.

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What You Should Know About Individual Dental Insurance?

It is now usual for insurance companies to offer individual dental insurance. More and more people are in the look out of an affordable yet of quality dental plans. This is due to the skyrocketing costs of dental procedures that one needs to undergo to maintain healthy teeth. If you are one of those searching for this kind of insurance, it is essential for you to know about what should be taken into consideration before you decide. This is to ensure that you are signing up for a plan that you will be able to maximize the money that you are paying them.

Those who are new to securing insurance should know how it works. Just like any other insurance, with dental plans, you are asked to pay a premium monthly. This will be the payment for the coverage or services that you can avail. So even if there were emergencies that you need to visit your dentist to have a procedure done, you would no longer have to open your wallet for cash. Worrying about such cases are already avoided.

Different types of dental insurance are also available for an individual to choose from. Here is a list of the most common of it: 1. Indemnity insurance plans 2. Preferred Provider Organization plans (PPO) 3. Health Management Organization plans (HMO) 4. Direct Reimbursement plans

Due to the variety of individual dental plans offered, people are sometimes beginning to be confused on what are their differences. Just remember that in choosing one, the basic points that you should check are its cost, coverage, and terms of the whole plan.

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Providing a Cheap Dental Insurance Plan for Your Employees

If you are in charge of a small business and you're considering offering your employees a dental plan to keep morale up, you'll find that there is a lot of choice on offer. Finding the best cheap dental insurance plan for your business though can be a complicated venture. If adding a dental plan to your existing health coverage system seems like easy add-on package at first, you'll find that you need to devote the same levels of research and planning to making sure you don't pay too much, and to make sure that you get everything you need to keep your employees happy, as with an all-new medical plan.

Mostly, it's only the conscientious businesses that even consider adding dental plans to their employee coverage. It's the third most used form of coverage after the ones for medical and prescription users. The law really doesn't mandate dental coverage the way it does for medical care. If you're planning on adding dental coverage to help make your business attractive to your employees, here's the way you go about arranging for cheap dental insurance that will do the job adequately and still not cost you a bomb.

As you might well expect, the fully funded employee plan happens to be the best you can get, if cheap dental insurance is what you planned for. Your employees pay all the costs, and the company can pick up the responsibilities for payroll deductions and the administrative expenses of running the show. There are other plans too that involve some contribution from the company or, sometimes, all the contribution. But as you might well expect, those are much more expensive.

The best way to settle for something would be to get outside help - expertise can bring in knowledge about the ever-changing healthcare landscape, competence in knowledge of all the rules, and familiarity with the paperwork. There are health plan administrators and consultants who can offer you their services and take care of the dozens of little details there always are to such an endeavor. Once you have a list of these third-party services to sign-up with, you will need to ask them about how much paperwork they expect from you, how happy their existing customers are with them, and how well they're willing to work with the dental care provider you have in mind, without second-guessing his opinions too much.

Completely employer-funded dental insurance plans typically place a lot of importance on preventive care. There are always regular checkups, fillings and cleanings, to make sure that nothing leads to something like a root canal that could really get expensive. Cheap dental insurance for the company requires just something that offers all the standards expected. Make sure that you find a provider who places a great deal of emphasis on preventive care. To cut costs even further, and especially if you have very few employees, you could join a group health plan with other small businesses in your area.

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Three Reasons Dental Health Is Good for Overall Physical Health

The old saying goes, if you look good, you feel good. But more often and importantly, when you feel good, you look good. Many first impressions are made with a smile, and it is not only pearly whites and pink gums that make friends. Your mouth is the window to your overall health. With some infections and diseases often showing their first signs in your mouth taking care of your dental hygiene is more important than some realize.

Infections Your mouth is bustling with bacteria, no matter how often you brush or use mouthwash. Bacteria is all around; the food you put in, talking, let alone kissing your significant other or pet(!). Regular teeth brushing and flossing helps wan the bacteria activity in your mouth and keep your gums healthy.

The saliva you naturally produce contains enzymes that helps wash out these harmful bacteria. However when saliva production is low due to medications, aging or both, and when a person is lax with brushing their teeth and flossing, bacteria can form and enter the bloodstream, which can lead to very critical health conditions.

Prevention Opening your mouth to a dental professional is like giving them your password to your personal health records. Dentists can tell whether or not you are a smoker, have diabetes - even if you are in the beginning stages of osteoporosis. The first stages of bone loss show up in your teeth and jawbone. Diabetics are more prone to dry mouth and oral infections. If you notice something in your mouth that has gone awry get it checked out before it becomes serious.

Visiting a dentist regularly will help in the early detection of what may become a serious problem. Caring for your teeth with regular brushing and flossing will prevent the buildup of bacteria on the teeth and gums.

Aesthetics Having good dental hygiene is not only important to your overall health, it's also important for your self-confidence. There's nothing like a brown, plaque-toothed smile, or better yet, a toothless smile. Or going to a meeting knowing you didn't brush your teeth and will be asked to speak. Taking care of yourself will improve your self-confidence, which in turn will improve all aspects of your life. Making a behavior change now by becoming self-aware is an investment for your healthy future.

A smile is not just for you, it's for everyone who receives it.

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What Is Cosmetic Dental Insurance?

If you have already signed a plan with a provider, read the information provided to you with regards to dental services covered. If you are aiming to have your teeth bleached or whitened, have porcelain crowns or tooth bonding, more often than not, this will not be covered by your insurance. If these are the reasons why you are securing a plan, then maybe it is proper that you get a cosmetic dental insurance instead.

This is the type of insurance that focuses on dental services that are more for beautification rather than health related. This is usually more expensive than the regular dental job because of the amount of work needed and the specialization of the doctor who will be rendering the service. This is the same reason why it is a good choice to opt in getting insurance that is particularly for this purpose. That is to make sure that you will be able to get the services needed done without resorting to applying for a loan to get the money.

Although it is not always necessary to have a this type of dental job done, a person in a way or another would still dream of getting such services especially if the problem does not only affect their physical appearance but also their social life. Admit it or not, having good set of teeth can somehow improve our appearance as well as our confidence to face people.

A lot of companies are offering dental cosmetic related plan. Check for various resources to be able to make the right decision for your need and budget.

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Types of Dental Insurance For the Poor - Read More About It

Many of you dread the word insurance and rightly so. But did you know that you need to be insured. We are living in a fast moving world where anything can happen at any time. You want to be insured. When you are poor or from a low income family, you may very well give up hope on insurance. You will laugh thinking that when I can't afford the basic needs, what good is an insurance policy.

One of the most overlooked insurance policies is the dental health insurance. Whether you like or not, you often have tooth problems. If it is just one small tooth, it can cost you lot of money if left unattended. However, it is a worth while investment to get your teeth insured. When going in for a dental treatment either for a major or minor dental problem, they rely on their insurers to get them out with monetary funds.

Ok, so you are poor and can't afford to have an insurance plan and pay for the monthly premiums. Here is what you can do. Did you know that there are different types of dental insurance plans? For example, you have the Indemnity insurance plan and the Managed dental insurance plans. In the indemnity insurance plan, the insurance company pays you large sum for your expenses.

In some cases the patient can reimburse the entire payment, for the others, almost the whole amount is paid by the insurance company. The rest of the payment has to be paid by the insurer. The Managed dental insurance plan is very economical and perfect for you if you are from a low income family. This plan is subdivided into Dental Health Medical Organization (DHMO), Preferred Provider Organization (PPO) and the Exclusive Provider Organization (EPO).

The DHMO provides you with a personal doctor and your medical requirements and payments are done through him. The PPO allows you to choose your doctor but you may have to pay more. The EPO is a combination of both DHMO and PPO. This would be the best choice as it is cheap and gives you lot of options.

As you see from the above, even though you are poor, you can avail these insurance policies to make sure your teeth are fine.

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