Dental insurance is similar in many ways to traditional health insurance. Both offer protection against unforeseen medical needs, however they provide protection for different areas of the body. Just as with other types of specialized health insurance, dental insurance is unique in the coverage it provides. It is designed to provide general maintenance in the form of regular semi-annual check-ups at the dentist, as well as x-rays, and cleanings. Many times these maintenance items will be covered within your policy. However, you will still be required to pay a small co-pay at the time of your visit.
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Unfortunately, good dental insurance is very expensive, but it’s still a part of necessary health care and it’s very important to have. In the past offering coverage was considered a big company perk, however dental insurance has today established itself as a must-have benefit.
In the past even most smaller companies offered dental insurance in order to recruit and retain workers. However, in this day and age providing coverage to employees is just not possible for most small businesses. As a matter of fact, most of these small “Mom and Pop” type businesses have had no choice but to either eliminate or reduce employee benefits.
Various dental insurance plans with numerous variations are available today. You should definitely take the time to consider all of your coverage options.
Most expensive plans:
Direct reimbursement plans
These plans are the most expensive of the lot. They operate by paying for employee dental coverage from a pool of money set aside by the company for this purpose.
The simplicity of this plan makes it the most effective, the reimbursement is made by a simple formula doing away with the complexity of co-payments, deductibles etc. Even though ADA strongly recommends this plan, this kind of direct dental care may not be affordable by smaller companies.
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Least expensive plans:
Managed care plans
Similar to a medical HMO, managed care dental plans need to pay for the treatment through regular co-payments and choose from a pool of dentists to get treated. These plans do various cost control measures and are much more affordable for small businesses.
The co-payment amount varies according to each procedure. Preventive procedures are usually performed without a co-payment, however advanced procedures will require higher out of pocket co-payments.
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