Advantages of Offering a Dental Benefits Plan to Employees (Part 1 of 3)
Tony Robinson
A Dental insurance or dental benefit plan is viewed upon as a much sought after employee benefit. So financially it makes sense to have a dental benefit plan in place to recruit and retain employees. Moreover, dental health is a very important part of overall employee health and man days lost due to dental problems or dental discomfort of an employee equates to financial loss for the employer.
Unlike most medical conditions, dental maladies and treatments are low risk, predictable and low cost. These factors contribute to offering dental insurance to employees a good option financially. Dental diseases are preventable by maintenance and often involve only maintenance costs like x-rays and examinations. Treatment is rendered cheap due to diagnosis in early stages of the disease. Keeping these financial factors in mind, dental insurance options can also be self funded. History does not show any extremes in costs or utilization of this form of employee benefit.
Selecting the right Dental Insurance Plan
Selecting the right dental plan involves a lot of factors which have to be considered with due care.
Dental insurance plans are basically agreements between the employer and the insurance company. Most plans offered by dental insurance companies allow for part reimbursement of dental treatment expenses. Many plans also discourage certain kind of treatments or allow access to certain of dentists. To consider these points one has to go through the plan very carefully with a toothcomb. For example choosing a dentist is not same as choosing a dentist from "the list", or if the plan does not cover one kind of treatment, it is wrong to infer that your regular dentist is incompetent.
Many plans do not cover pre existing conditions. Some may not cover implants and so on. Due to these preconditions, the final treatment may be paid for in part only or in insurance parlance you might be reimbursed for LEAT (Lease Expensive Alternative Treatment). Dental insurance plans vary in fixing the UCR (usual, customary, and reasonable) in a certain geographical area. UCR may vary from plan to plan and company to company despite operating in the same area. Therefore fixation of this UCR level would define the liability of the patient. In some plans the patient may have to pay more and in some he may have to pay less depends upon the plan the employer has offered.
About the author:
Tony Robinson is an international author, webmaster and dental
care practitioner. Check out his website at
http://www.officialcosmeticdentist.com/
The latest information and news on Dental Care Advice :
Asheville dentist Dr. Clifford Feingold has been appointed by Buncombe County Superior Court to serve as the conservator of dental records for Dr. Kathryn Philpott-Hill.
Tooth Talk: Children?s dental health ? not quite a myth (Marco Eagle)
This week instead of answering just one question I?m going to answer a few different ones about children?s dental health. One of the most common questions is when should a child have their first dental visit. As a general rule, once your child is between 24-36 months is a good time to begin. I would advise each parent to prepare for their child?s first visit to the dentist by going to the ...
Riemser Arzneimittel acquires Curasan dental product line (Pharmaceutical Bus...
Riemser Arzneimittel, a German pharmaceutical company, has purchased the worldwide specialty dental business of Curasan, including its three leading products, Cerasorb, EpiGuide and Revois.
Australia Dental Devices Investment Opportunities, Analysis and Forecasts to ...
DUBLIN, Ireland----Research and Markets has announced the addition of the "Australia Dental Devices Investment Opportunities, Analysis and Forecasts to 2012" report to their offering.
BIOLASE Launches Software Upgrade For First Generation WaterlaseTM Dental Las...
BIOLASE Technology, Inc. (NASDAQ: BLTI), the world's leading dental laser company, today announced the global launch of a new software upgrade that includes innovations designed to extend the capabilities and useful life of installed first generation Waterlase? hard and soft tissue dental laser systems.
Curasan sells dental implant business (The News & Observer)
Curasan, a German medical device company with operations in Durham, has sold its dental implant business for $15 million.
State dental foundation to operate booth at fair (The Post-Standard)
The New York State Dental Foundation will have informational booths, exhibits, dental screenings, giveaways, raffles and activities Aug. 26-28 at the state fair. The foundation's Oral Health Booth will be in the Toyota Exhibit Center, just inside Gate 2.
Dental program gives kids something to smile about (Standard-Examiner)
FARMINGTON -- Dental decay is the most common chronic disease among ages 5 to 17, health officials say. It is five times more common than asthma and seven times more common than hay fever, according to a Utah Department of Health report.
Punjab launches dental care services programme (New Kerala)
Chandigarh, Aug 18 : In order to ensure oral health hygiene in and to provide on-the-spot diagnostic preventive interceptive and cure at the doorstep, the Punjab government has launched the Dental Health Care Services.
Benco Dental Adds New Sipdisc Product Packs to Promote Patient Oral Health, R...
New products created to support good oral health hygiene, help prevent tooth decay, introduced to dental offices and hygienists. Products from Sipdiscs (www.sipdisc.com) encourage pediatric patients to practice daily brushing, and include Sipdisc drinking straw holders to reduce exposure to acids in soft drinks, prevent tooth decay, erosion and staining.