Give Your Employees Something to Smile About – Group Dental Insurance!
Employers in today’s business environment are expected to offer employees medical insurance, sick leave, and vacation time in accordance with state and federal laws. Employee benefits now include health insurance under the Affordable Care Act. The federal mandate offers a variety of plans that employers can offer through private insurance companies and state exchanges.
Many of the newer insurance plans include vision care, but dental care is often excluded. Employers can offer separate dental plans to employees although this is not required. A prospective employee with good qualifications and several job offers may decide to work for the company that offers the most comprehensive benefit package, which includes a dental plan.
Salary Versus Benefits
Salary is naturally the most popular aspect of employment. That is the major reason we work, after all, but the benefit package is also very important. A smart employee-relations interviewer will stress the great benefits offered by his or her company. This will include the medical and vacation benefits, along with other incentives. Dental insurance is one of the major extra employee benefits which job seekers desire.
Just ask a working parent the value of dental insurance along with medical coverage. The costs of teeth cleaning, fillings and other dental work, especially braces, can be overwhelming. A comprehensive individual or family dental plan can be a major enticement to hiring and keeping well-qualified employees, especially for employees with growing children.
“Fringe benefits” vary from employer to employer. They can include a special employee lounge or cafeteria, telecommuting privileges, free parking or providing employees with public transportation passes. Many large companies provide fitness club memberships or they have workout spaces on premises. Fringe benefits have their value, but they are not always of primary importance. Prospective employees don’t generally make decisions based on these minor benefits.
While most working people will have some type of medical insurance, only about 57 percent of the population has dental coverage. Momentum Insurance Plans, Inc. specializes in group dental plans for Wisconsin employers. These plans cover many dental services in addition to basic teeth cleaning and preventive care. Group plans generally have lower rates and less exclusions than individual plans.
Programs where the Wisconsin employer shares the cost of dental insurance are major employee benefits. There are many group plans available that cover a complete range of dental care. These may include:
- Routine dental check-ups and cleaning
- Fillings, root canal, and other procedures
- Oral surgery endodontic and periodontics procedures
Employees with a need for orthodontics will be pleased with an extra benefit that helps cover the cost. Plans can have annual out-of-pocket maximums and various deductibles. The dental plans covering orthodontics may be a benefit that sells the job to the prospective employee. This type of plan may help keep a valued employee who is entertaining other offers.
Wisconsin Voluntary Dental Insurance
Many companies offer voluntary dental insurance to employees. Employees pay 100 percent of the premium but they receive group rates, which are lower than individual dental insurance plans. Payments are made through payroll deductions at no additional cost to the employer.
This voluntary program is an important part of the benefit package. Preventive care and other procedures including emergency services are offered with consideration for the unique needs of the employee group.
People often neglect dental care until there is a problem, but preventive care is important for oral health and overall health. Heart disease, diabetes and other diseases are connected to poor oral health. Identifying problems early is in everyone’s best interest.
Dental insurance is now a major component of employee benefits offered to hire and retain people who work for companies of all sizes. Momentum Insurance Plans works exclusively with dental insurance, so we know it very well. Group plans are available for all Wisconsin companies and small businesses. We can help you find the plans that best suit your employees based on their individual needs.