Dental Insurance for Employees: How to Choose the Right One

Choosing the best plan for dental insurance for employees shouldn’t be taken lightly, as it is a very important moment for our company and our staff. This is why we must consider many different aspects that will influence our last decision. Thus, we have decided to put together this short list of the many factors one should consider. After all, we want to make sure we offer employee benefits that are both attractive and convenient.   

As we mentioned above, there are many different aspects to consider before choosing dental insurance for employees, like the age of our staff. We should also keep in mind prevention of dental conditions. Keeping our budget in mind will help us make a better decision, too. Also, choosing a large network would help us get the best dental plan we can for our employees.    

One of the most important aspects we need to consider when choosing dental insurance for employees is the age of our staff. For example, younger employees are less likely to have poor dental health. However, older employees will appreciate plans that cover procedures that are more restorative, especially those aged between 40 and 59.  

If we have employees that are over age 60, we must look for more comprehensible and complete dental plans. These employees are much more likely to go through more complicated conditions, so they will need more coverage.   

Another essential aspect to keep in mind when choosing dental insurance for employees is focusing on preventing rather than treating conditions. We need to pay attention to the kind of services each dental plan might offer and focus on its prevention plans. Medical insurance, on the other hand, would be in charge of providing treatment to different health conditions, including dental. Nonetheless, dental health prevention is just as important, and we shouldn’t ignore it.   

Even when we might want to offer the best possible dental plan for employees, truth is we might not be able to do so. This is especially true if we are a small or medium business who can’t afford an expensive alternative just yet. Thus, it is important for us to analyze each option and avoid going over our budget. Keep in mind your payment obligations and also remember that you will be having monthly premiums, too. Besides, you might be subject to other charges like deductibles and max limits.   

Last but not least, we must keep in mind the size of the network we will choose. Opting for a large network will determine the amount of dentists in a given area that our employees will have access to. If we choose a small network, we would limit the number of dentists our staff could see. This might be a problem for workers that must travel to other cities or states, for example. However, if our employees will only work locally, a national network might not be an absolute need.   

Regardless of the plan you choose, offering dental insurance for employees is a great way to attract and motivate staff, and we recommend going over this decision with your company’s consultant before making a decision.