Nebraska dental coverage is one of the most attractive benefits you can offer your employees; dental costs are the most common out-of-pocket medical expenses and take money directly from a family’s disposable income. As a result of dental coverage, the overall dental health of Americans has greatly decreased and good dental benefits play a much more significant role in attracting and keeping good employees at your company.

The types of dental insurance in Nebraska include:

1. Direct reimbursement plan (DR)–employees are paid back directly for whatever dental expenses they pay out-of-pocket.

2. Indemnity plan–employees pay a premium to the insurance company who then sends the entire bill payment to the dentist.

3. Managed care plan–Nebraska dental insurance plan that functions the same as a PPO or HMO medical insurance network.

4. Dental discount plan (DDP)–dentists belonging to a network offer members discounted rates on all services; not an insurance plan, but structurally similar.

Action Steps
The best contacts and resources to help you get it done

Determine what type of employee dental insurance in NE suits your employees

Talk to your employees directly about dental coverage in Nebraska to find out what they need and what they expect. Check with other small business owners in your area; find out what type of dental plan they use.

I recommend: The American Dental Association offers an information and cost estimator for DR plans. Nebraska dental insurance companies like Direct Dental and Metropolitan Life Insurance Company, known as MetLife, offer different types of plans. Direct Reimbursement Administrative Services, Ltd. can help you estimate your costs for a DR plan.

Compare quotes for dental coverage in Nebraska

Get quotes online and compare Nebraska dental insurance providers for the lowest rates and good customer service records. Meet with representatives of Nebraska dental insurance companies to discuss in detail the dental plans you're interested in.

I recommend: BuyerZone.com can give you quotes from several different companies offering dental insurance in NE. DentalPlans.com, Inc. can connect you to managed-care and DDP plan descriptions and quotes. Contact Nebraska dental insurance providers directly, like Aetna Inc. and Delta Dental of Nebraska, to receive information about specific rates and dental plans in NE.

Seek advice on dental insurance in Nebraska from an insurance agent

Independent insurance brokers can help you choose between several different Nebraska dental insurance plans. Many insurance agents partner with Nebraska dental insurance providers to offer better rates to their customers.

I recommend: Find an independent insurance agent through Trusted Choice Inc.. Net Visibilities LLC hosts Preferred Customer, which provides a directory of insurance agents across Nebraska.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Offer your employees the managed care dental plan in Nebraska as part of a larger PPO/HMO-type medical plan; you get better rates buying a package deal and the managed care plan divides the cost between the employer and employees.
• •  Take dental coverage for your workers seriously, even if you're concerned about the added costs. Having bad teeth contributes to health problems, which could end up costing you more in the end through missed time at work, lower productivity of employees in pain or more expensive medical costs down the road treating problems like heart disease, blood diseases, headaches and TMJ.