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Building the Right Dental Plan for Your Company

On Aug 6, 2018

 

Disclaimer: Sponsored content articles do not reflect the opinions of New Jersey Business magazine or the New Jersey Business & Industry Association.

A key component of success is learning how to build a dental plan for your company. Your goal: Offer a plan that meets everyone’s dental health and financial requirements, all while understanding your employees’ needs.

Build a Dental Plan

A comprehensive dental plan can make your company more competitive in attracting talent. Healthy, happy employees are productive employees. Here are three tips that can help you navigate the process of building a customized dental plan for your company.

  1. Design for the Ages

Dental treatment needs can vary greatly from one generation to the next, affecting the types of benefits that employees find most desirable and useful.

  • Younger employees will be looking for an inexpensive plan with good preventive benefits.
  • Families want a plan that covers the usual preventive services, fluoride treatments and sealants, and emergency and basic services.
  • Middle-aged employees know gum disease can still sneak up on them. Therefore, a plan that covers periodontal services and maintenance becomes more important.
  • Older employees will most likely want a plan that has adequate coverage for extractions and major services, such as crowns and bridges.
  1. Impact of Network vs. Non-Network

If you offer a plan that requires the use of participating dentists, ensure that there are dentists in convenient locations for each of them and know whether employees will have to change dentists in order to take advantage of the plan’s lower out-of-pocket costs.

  1. Weigh the Rates vs. Benefits

Most employees and employers would love to have rich benefits with low premiums and copayments. Unfortunately, the richer the plan, the higher the rate. Low-cost plans usually have higher deductibles and more restrictive benefits.

Look for a dental insurance provider that offers an array of plans and benefit configurations to help you find the right dental plan for your company.

To read the full article, visit: https://benefitsbridge.unitedconcordia.com/how-to-build-a-dental-plan-that-fits-your-company/

Disclaimer: Sponsored content articles do not reflect the opinions of New Jersey Business magazine or the New Jersey Business & Industry Association.