They say everyone should go to the dentist at least twice a year, but it’s an unfortunate fact that many people don’t quite live up to this promise. One of the reasons is fear of the cost of dental services, which your organization can answer by offering dental insurance benefits. Dental insurance is flexible, affordable and is something most employees want through their employment benefits.
Deciding whether your business should offer dental insurance doesn’t have to be like pulling teeth. Dental insurance is a crucial component to a well rounded employer-sponsored benefits packages. It is applicable to everyone and your business can benefit from offering it.
1. It is Flexible & Affordable
There is a wide variety of plans that can fit a range of needs and budgets. Dental insurance plans typically provide preventive, basic and major coverage, which may include check-ups, exams, cleanings, x-rays, fillings, extractions, inlays, crowns, root canals, and dentures. For some plans, orthodontics may even be covered.
You can speak with an expert that can help design a plan unique to fit your business’s budget and needs. In most cases, the policy pays for itself after the standard two annual visits alone.
2. It is Highly Sought-After
In a competitive job market, dental insurance is consistently cited as one of the most sought-after employee benefits, and companies offering it typically experience high employee satisfaction.
Since employees consider employer-provided dental coverage as a very important attribute to working with a company, it is in your best interest to consider its value. While younger employees are often hesitant to sign up for employer-sponsored medical coverage because they think they’ll rarely get sick and cannot justify the cost, most people will go to the dentist twice a year (or at least know they should) and recognize the value of dental insurance coverage.
By offering dental insurance, small employers can better compete with larger companies to offer more robust benefits packages and attract the best and most qualified employees.
3. Critical to Overall Employee Wellness
Oral health is inextricably linked to overall health and quality of life. Regular preventive dental care, paired with proper daily oral health routines, can have a major impact on overall health – something both employees and employers strongly value. If dental issues go undetected and untreated, they can eventually develop into major issues with significant dental and, in some cases, health costs.
Regular preventive care with two annual dental visits can go a long way toward keeping employees well—and keeping business running smoothly as a result. Dental insurance makes this kind of basic care easy and affordable.
About The Rubin Group
Based in New York, The Rubin Group provides insurance in most of the 50 states. Our full-service insurance brokerage provides insurance and risk management services to individuals in all income brackets and businesses of all sizes and types. We understand that every client has unique coverage requirements, and we are passionate about providing the ideal individualized coverage for each customer. Each member of our team takes the time to truly understand your situation, the particular risks you anticipate – and the very real risks you’ve not yet contemplated. For all of your insurance needs, contact us at The Rubin Group!