Providing Dental Coverage Plan to Your Employees

One of the incentives that employers provide their employees would be a dental coverage plan. If you are a small business owner, then adding a dental plan into your employee benefits would be able to boost up their morale and even increase their productivity.

Dental plans are one of the most used form of insurance or coverage, following medical and prescription coverage. There are ways to add dental benefits in your employee benefits without sacrificing your profits.

You could start by conducting surveys or focused group discussions to know if your employees are interested in getting dental benefits. You could also ask them what kind of dental coverage they prefer. This is also a great way for you to know how much they are willing to contribute for the premiums.

There are two common types of dental insurance the employers provide their employees, the DHMO or Dental Health Maintenance Organizations and the PPO or the Preferred Provider Organizations. More or less, your medical insurance provider would also have dental insurance coverage. You could ask them, or you could ask for their recommendations. Usually, dental insurance providers work hand in hand with medical insurance providers.

Dental insurance should not only cover your employee needs, but as well as their family’s needs. As an option, employees could pay for premiums of their family members through payroll deductions. Before you actually start paying for your employee insurance and before their paychecks are deducted, never forget to consult your employees.

Always have an open mind and conduct deliberations with your employees about the dental plans or any other insurance issues.
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