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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The Perfect Dental Insurance Policy Available At Present

Dental care is often neglected by many of you till the last minute. Unless the problem becomes serious you won't think of paying a visit to the dental clinic. Many of you don't give the dental insurance policy the due when compared to health insurance policy. You think about a dental policy only when you undergo dental treatment and pay for them.

After paying a heavy price for your dental procedures, you realize that you could have been better off with a dental insurance policy. The best policy is the one that can satisfy all your requirements. For example, if you need to undergo an expensive procedure like dental implants then you may not find many insurance companies who are offering policies at a cheap rate.

When compared to dental implants, you can get cheap policies for small dental procedures. You can check the internet for different kinds of dental health insurance policies that can fit in all your requirements. Irrespective of your income, you will be glad to know that you can get the best dental policy at an affordable price.

The best way to get the perfect policy is by comparing the prices of the policies and what is being covered by the policy. When you do that you can distinguish the differences between various policies. All dental insurance health policies cover filings, dental check ups and many more that can help you to take care of your teeth.

In case, if you are not satisfied with your initial plan, you can opt for a suitable insurance policy that can cover dental aspects. Be aware of companies who price their policies cheaper to attract unsuspecting clients, which don't cover the even basic necessities.

Remember, not go for a policy just for its namesake but get a better policy to get better benefits.

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What Is Aetna Dental Insurance?

The fact that the costs of dental services are increasing, it is important that we secure a dental plan. And one of the trusted and known providers is Aetna Dental Insurance.

This provider has gained its popularity due to the equally affordable price it offers for their services while still maintaining the high quality. It started in 1850, only operating to offer life insurance. But due to the growing demand insurances, it expanded its market by also offering other types insurances including dental. Their growth is not only limited with the services they offer but they also increased the number of locations to make themselves available for those who need their services. Plans are available for individual, group or family, and even for corporation who wants to provide their employees with such benefits.

There are varieties of plans you can choose from when you decided to get this provider for your dental needs:

1. Network only plan - covers the basic and preventive needs of your teeth with several extra services offered at a discounted rate. 2. Network optional plan - more personalized for it gives you an options on services to fit your needs 3. Hybrid Plan - a combination of insurance plans which covers major services that you might possibly need.

Getting a dental plan would entail you some cost but the benefits you could get makes it all worth it. Let us not wait to have problems with our teeth before we get one. Secure an insurance plan and secure your teeth.

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Why You Should Get a Custom Mouthguard

One may think that a mouthguard is a mouthguard but that is just not the case. The cheap dollar ones you buy or even the more expensive Shock Doctor ones, do not even compare to a dentist making you a custom mouthguard. If being able to speak properly, breathe properly and overall being way more comfortable is important to you then a custom mouthguard is worth the money. Depending on your dentist mouthguards can range from 35 dollars to 150. It is important not to cheap out on your jaw, teeth, and head. A custom mouthguard provides the best protection possible. Many sport teams could reduce the amount of concussions drastically if they had the right protection for the mouth and jaw and head.

When the dentist makes it they mould it right to your top teeth and it fits perfectly. It takes only about 20 to 30 minutes to make while they mould it. Then about a week or two later you can pick it up. The dentist will make sure it fits and will adjust it if needed to by heating the tight areas up with a flame.

No matter what sport you play whether it is football, boxing, basketball, hockey, rugby, wrestling, mixed martial arts, lacrosse, competitive skiing, skateboarding or whatever a custom mouthguard is essential. Once you try it and feel the difference for yourself, you will never go back to an over the counter mouth guard. Most people do not care but it is important that safety comes first.

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Individual Dental Plans Unbiased Review

Finding good individual dental plans can be a very challenging task. There are several types of plans and they can be very affordable if you know where to look to find them. The two most popular plans are HMO (Prepaid) and PPO. The HMO plan requires you to choose one dentist or dental facility to coordinate all of your oral health needs and the PPO plan allow dentists to participate in a network and agree to accept contracted fees as payment in full rather than their usual fee for patients with the PPO.

If you don't have an individual dental plan with your current employer you may find that there are not many companies that offer this type of plan. Despite this, there are several alternative measures that you can take if you do not have individual coverage. Several ways to ensure that you get good dental care inexpensively is by shopping around and finding rates, creating a small dental savings account or visiting a dental college in your local area. Either way, you will be staying on top of your regular cleanings and checkups to prevent serious dental health problems.

On the contrary, there are several health insurance providers that offer individual dental plans; however they can be quite pricey. If you are searching for an individual plan, there are several industry leaders that provide this option. These companies include, Blue Cross Blue Shield, Aetna, Humana, Delta, Assurant and many others. There are also many online quote providers that offer to provide you with the best price by taking the information you provide to them and matching you with the best plan. These quote search engines provide you with a pros and cons comparison chart to help you make the best decision on your next health plan choice.

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Finding A Low Cost Dental Plan

Usually, dental health care is part of a worker's benefits that they get from the employers. However, in the last few years, a lot of individuals are looking for low cost dental plan since employers are no longer including dental care in the benefits. Dental health care has become expensive for some employers, and individuals and their families are resorting into getting private dental care.

There are studies showing that seven out of ten Americans have no form of dental health plan. Some are foregoing in getting these plans since they would have to pay premiums for health care and other insurances that they have to pay. There are several ways on how to find a plan which does not have to be expensive.

Taking advantage of these plans which are different from dental insurance is an option for affordable dental care. Discount Dental Plans is a affordable dental care, they offer discounts on different dental services for their members. It is easy to purchase and use, all you need is to know which dentist in your area accepts the plan. Once you have identified your dentist, you could now pay the annual fees and start using it after a couple of days. The annually fee for discount dental plans usually start from $79.95.

You could also have a customized dental plan. This plan allows you to add dental services on the plan which is based on your needs and demands. There are also savings plan which you could use the entire year, without worrying too much about the cost.

There are low cost dental options that individuals could take advantage off. Don't think about it twice. Having a dental plan is important in keeping ourselves and our family healthy and happy.

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Dental Implant Insurance - Limited Availability of Implant Dental Insurance

Dental implants are a costly investment and often exceed an individual's budget. Generally the cost is about $1,000 per tooth. If you are currently covered by a dental plan, it is more than likely that dental implants will not be covered. Most insurance plans do not cover this procedure and the ones that do are very expensive. If you are considering getting implants then it would be worth the cost to invest in insurance that will cover it.

Insurance plans were established far before dental implants became a popular procedure. If you currently dental implant insurance than it probably won't be enough to even pay for most of the procedure. Depending on the policy, it will most likely only cover an emergency treatment. Also note that some implant dental insurance may only be offered as an addition to your current policy. Always ensure that you are familiar with what you are covered for and don't make assumptions as you may get stuck in disappointment.

It's always a good idea to ask for assistance from your insurance provider to help you file a claim. This is because they will help you fill out the claim correctly and ensure you have all required information included with your claim. If you had implant done because of an accident or an injury to your mouth, your records may be an important factor to determine whether your insurance provider will cover your expense.

The main reason why dental implant insurance may not be covered by your provider is because it is often looked at as cosmetic. It is often a good idea to discuss with your dentist about the costs involved with an implant procedure with out insurance coverage as you be able to plan your financial situation in terms of payment and financing options.

It would be advised to look into your medical plan for implant dental insurance as some policies may cover certain procedures and implant work. If jaw reconstruction is required to improve function in your moth to eat and drink, than your plan may cover this.

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Why You Need Cosmetic Dental Insurance

Cosmetic dentistry is no longer just for aesthetics or improving one's facial appearance. Over the years, cosmetic dentistry has been used to improve a person's confidence, social-esteem and improve a patient's participation to different social activities. Although, considered unnecessary, cosmetic dentistry has emerged as one of the dental procedures very much in demand. In demand, but also one of the most expensive dental services, which lead us to the need of a cosmetic dental insurance.

Common cosmetic dental procedures would include inlays and onlays, or indirect fillings. Tooth repair especially for chipped tooth can also be considered cosmetic dentistry. Veneers are also part of cosmetic dentistry, and they are often used to correct or repair chipped or cracked teeth. Teeth whitening is also considered part of cosmetic dentistry. Dental implants to replace lost teeth are also part of cosmetic dental procedures.

Cosmetic treatments are also often needed to correct dental problems like incorrect bite, problems with the teeth and jaw structure. This would require the use of braces and other full reconstruction methods that would correct these problems.

Cosmetic procedures are among the most expensive dental procedures, however, not all of them are covered by insurance or dental plans. There are some dental plans however that could cover cosmetic procedures like inlays, onlays, teeth repair, or the use of braces to correct mouth, teeth and jaw problems.

If you are concerned about cosmetic dental coverage, then what you need is learn the policy first before making the purchase. You need to know if your child's braces would be covered by the policy before you start paying your premiums. Good thing is that most dental insurance companies would have their policies available in their websites. There are also customer service hotlines that you could call to inquire about the dental procedures covered by a dental plan.

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Dental Problems Call For Affordable Dental Plans

People who do not have existing insurance plans for their dental needs often result to visiting the dentist during times that they already have a problem. This should not always be the case. We all want to save money but it is important that we also ensure that we are not sacrificing our health. Small problems in your teeth may lead to a more complicated one in the future. When this happens, we would be spending money more than what we are able to spend. So it is important that we start early in having those teeth checked. If you worry that you will be leaving the dentist clinic with no money on your pocket, it is time for you to seek for affordable dental plans and leave your worry behind.

Plans for dental services will save you a lot of cost. You would only have to pay certain premium on a regular basis and you will be able to visit a dentist as often as possibly. This of course should be according to the coverage of the plan you signed. In finding an inexpensive dental insurance, it is essential to look for one that can preventive aside from basic treatments.

In search for a plan you can afford, check various providers and compare which one among them would give you the greatest benefits. Do not sign in a plan without seeing what others are offering.

After subscribing to a dental insurance, you will be surprised to see the advantages it can give you. Not just with your dental health but as well as managing your money.

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Where To Get A Low Cost Dental Plan?

At present time, the need for low cost dental plan is greatly increasing. Before, this is included in the health benefits given by companies to their employees and even family members. Due to some cost reduction measures of companies because of economic difficulties, they opt not to give this anymore. This is the reason why most individual are in search for one to enroll themselves or their family members.

Plans for dental needs are said to be a good way to save money when you require having some dental checkups for cleaning, fillings and other services for you to get discounts from accredited clinics. But this is no longer the case. It is surprising that a lot of these plans are becoming expensive. Most individuals prefer not to get one if their employers do not offer a plan. This is to also save money from paying premiums and would only choose to have dental checkups if really needed.

Attending to your dental care needs should not be taken for granted. There are ways on how you can get plans for you or your family members while still maintaining to meet your budget. Here are just some of the ways you can get affordable and useful dental services.

1. A discount dental plan is now being promoted to consumers who cannot afford to get the regular plans. Unlike regular dental insurances, no premiums are required for you to pay. Fees are only collected during your visit but still get discounts similar to enrolling in a plan.

2. Some school who have dental students, offer services at a minimal cost or even for free to the public. This is a way for their student to practice in actual what they have learned. Leave your worries away of not being able to have the right procedures done to you by the students for they care closely monitored by experts.

Even though it cannot be avoided that cost should always be considered when getting a plan for your dental needs, let us always bear in mind that taking care of ourselves should always comes first.

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