Why Group Dental Coverage Makes Good Business
Affordable Non-Insurance Option
Starting in the late 90s, both large and small employers have a dental benefits option that's usually more affordable than traditional indemnity-based dental insurance plans. Known as "discount dental plans", this type of coverage provides deep discounts (usually 30% to 35%) on virtually all dental procedures, even those that are rarely -if ever- covered by insurance such as cosmetic related work. Discount plans have many advantages over traditional insurance to employers including no annual maximums, deductibles, waiting periods or pre-existing condition exclusions for employees. Perhaps best of all, these discount-plans can be purchased for all employees with a payroll deduction option, so it can be offered as either a part of the total benefits package or on a voluntary, opt in basis. There are no minimum participation requirements and the list of local dental providers are usually comparable to those of most dental insurance plans.
Why Group Dental Coverage Makes Good Business
By: Michael Kowalsky
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