Introduction To Dental Insurance | New Health and Fitness

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Paper cuts are pretty painful for being such a small thing, but the same can be said for a toothache. Your paper cut will quickly heal, but that toothache is going to give your wallet a workout before you can forget all about it. Dental care is a vital part of maintaining a healthy lifestyle, but it has become cost prohibtive for many people.

Let?s look at the evolution of dental insurance. Although dental insurance is now considered a necessary employment benefit, it was not that long ago, that dental insurance was considered a luxury, only available through large companies. Dental insurance is now available from the majority of smaller size businesses, as it is used as a leveraging point to attract and keep employees. When calculating the cost of complete medical coverage, dental coverage accounts for under 10% of these costs, and the preventative measures that are provided, such as cleanings, reduce the amount of time that employees miss from work, enhance their productivity, and help to maintain the good health of employees.

Currently, there are a number of dental insurance programs to choose from and there will be differences among the coverages. Take your time when examining the various alternatives, so that you can ensure that you make the best decision.

Pricier Plan Options:

Direct reimbursement dental plans

Of all of the available dental plans, this type will cost the most. These plans utilize a pool of money that has been designated for this express purpose, by the company, and that is where the money for the employees? dental insurance comes from.

There are no complicated calculations necessary as deductibles, co-payments, etc., are not used, but instead a basic formula is used, making this plan the most straightforward and productive. It may be difficult for smaller businesses to make reimbursement dental coverage fit in their company budget, although the ADA is an avid proponent of this plan.

Least expensive plans:

Plans through Managed Care

Managed dental care plans work much the same as a medical HMO, where you select a dentist from a designated list of participating dentists, and payment for treatment is paid for by normal co-payments. Smaller businesses may find these types of plans more financially manageable, as managed care plans employ a variety of practices to control costs.

Each dental procedure will have it?s own co-payment amount. You can expect to pay the highest co-payments for the most complicated, intricate procedures, utilizing the latest technologies, while most preventative dental procedures will typically not require a co-payment.

Ultimately, the choices for dental coverage will be up to the company, their finance people, and the HR department, but all parties involved should give careful consideration before settling on a choice.

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Source: http://newhealthandfitness.org/2012/02/03/introduction-to-dental-insurance/

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