Dental insurance in Illinois seems to be a benefit that is becoming more and more valuable to employees. While dental coverage is not as expected as medical insurance or vacation days, many employees factor in Illinois dental insurance benefits when determining the value of a place of employment.
When exploring dental plans in Illinois for your employees, keep the following in mind:
1. Ask current employees how important dental coverage is to them and how much they would be willing to pay out-of-pocket for it.
2. Talk to your company’s current medical insurance provider. They may be able to cut you a deal if you add dental coverage in Illinois to your current plan.
3. Similar to medical plans, dental plans in Illinois are available as HMOs and PPOs, among other options. Learn the difference before deciding between Illinois dental insurers.
Talk to your current medical insurance providerYour first stop for dental insurance in Illinois should be your company's current health insurance provider. If that company can't provide the dental insurance coverage in Illinois that you're looking for, explore some of the other large insurance companies that can offer everything you need under one insurance umbrella.
Check out companies who focus on dental coverage in IllinoisAnother option is to explore dental insurance companies in Illinois that focus strictly on dental coverage.
Weigh the benefits of HMOs vs. PPOsIt can be difficult to determine if the flexibility offered by HMOs, indemnity plans and PPO dental insurance. Illinois has an abundance of dental insurers and plans, so be sure to take a close look at just what you're getting out of the more expensive plan. Again, ask employees what they want and expect out of dental insurance in Illinois.
- Dental coverage in Illinois will typically cost around $1,000 a month per employee, with employers covering between 25% and 50% of the monthly dental insurance premiums.
- Consider just offering dental coverage in Illinois to employees - not their families. This can keep costs down while still providing an extra benefit.