Providing dental health insurance for your employees may seem like a daunting and expensive task. However, business dental insurance plans cost approximately 10 percent of the cost of a small business health insurance plan.
If you're considering offering your employees dental health coverage, you may want to familiarize yourself with dental health insurance key terms. Dental health insurance offers many types of plans, such as discount dental plans, indemnity plans, capitation programs and schedule-of-allowance programs.
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Have you considered providing dental insurance to your employees as part of their health care package? This insurance varies depending upon the plan chosen, but it typically covers a percentage of the charges incurred at the dentist. Some plans include a free cleaning each year. Many dental plans have a yearly deductible or a co-pay that is required at each dental office visit.
Dental benefits do not have to be expensive for you to provide for your employees. There are plenty of reasonably-priced options. You can choose a traditional dental plan, perhaps as part of your medical plan. Or you can look into setting up company-funded insurance or even choosing a dental discount plan. In order to compare rates and services, you may want to search for dental plans online. There are several websites that allow you to compare insurance plans based upon company size and premium cost.
When choosing a dental plan, you will need to select either a PPO (preferred provider organization) or an HMO (health management organization). With a PPO, employees will be able to visit any dental professional of their choice and still have insurance coverage. With an HMO, however, employees will need to select from a list of dental professionals covered by the plan.
Looking for more information about dental insurance? Look no further than Business.com. Click on the links on the left to find out what you need to know about choosing a dental plan for your employees.
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