Dental Benefits

Dental coverage refers to a type of health insurance that specifically covers dental care expenses. It is a valuable component of an employee's overall benefits package, providing financial assistance for a range of dental services, including preventive care, basic procedures, and major dental treatments. Dental coverage helps employees maintain good oral health and manage the costs associated with dental care.

Here are some key points to understand about dental coverage as an employee benefit:

  1. Coverage for Preventive Care: Dental plans typically cover preventive services at little to no cost to the employee. These services may include regular check-ups, cleanings, and X-rays. Preventive care is essential for maintaining oral health and catching dental issues early.
  2. Basic Dental Procedures: Dental plans often cover basic procedures such as fillings, extractions, and root canals. Employees typically pay a portion of the costs for these procedures, known as coinsurance or copayments.
  3. Major Dental Treatments: Some dental plans also provide coverage for major dental treatments like crowns, bridges, dentures, and orthodontic services (e.g., braces). These treatments usually have higher out-of-pocket costs for employees, and coverage levels may vary.
  4. In-Network Providers: Many dental plans have a network of dentists and dental facilities that offer services at discounted rates. Employees often benefit from lower costs when they visit in-network providers. However, some plans also allow employees to see out-of-network dentists, albeit at higher costs.
  5. Deductibles and Annual Maximums: Dental plans may have deductibles that employees need to meet before the insurance starts covering expenses. They may also have annual maximums, which cap the amount the plan will pay for dental care in a given year.
  6. Orthodontic Coverage: Some dental plans include orthodontic coverage for both children and adults. Orthodontic treatments, such as braces or aligners, can be expensive, so this coverage can be particularly valuable.
  7. Voluntary Benefit: Dental coverage is often offered as a voluntary benefit, meaning employees can choose whether to enroll in the plan and pay premiums for the coverage. However, some employers may provide dental coverage as part of their overall benefits package.
  8. Cost Sharing: In most dental plans, both the employer and the employee share the cost of premiums. The employer typically pays a portion of the premium, while the employee contributes the remainder through payroll deductions.
  9. Standalone or Bundled Coverage: Dental coverage may be offered as a standalone plan or bundled with other healthcare benefits like medical and vision insurance.

Providing dental coverage as part of an employee benefits package is attractive to potential hires and can contribute to overall employee well-being. It encourages regular dental check-ups and early intervention, reducing the risk of more costly dental issues down the road. Additionally, good oral health is linked to overall health, making dental coverage a valuable aspect of a comprehensive benefits program.

Koru Korner

Related Articles

No items found.

ILS: Transforming from Competitor to Strategic Partner, Elevating the Reinsurance Sector to New Heights

Artemis Update: AM Best has upgraded its outlook on the global reinsurance sector from stable to positive for the first time in over a decade, highlighting robust profit margins and improved underwriting conditions. The rating agency now views insurance-linked securities (ILS) as strategic partners rather than competitors, emphasizing their role in supporting traditional reinsurers. Despite a deceleration in reinsurance pricing, AM Best notes that underwriting discipline and healthy profit margins are expected to be maintained.


May to Break Another Cat Bond Record: Biggest Month of Issuance Ever

Exciting news in the world of finance and risk management! May is set to break records as the biggest month of catastrophe bond issuance ever. According to a recent article from Artemis, the market is experiencing unprecedented growth, highlighting the increasing demand for innovative risk transfer solutions.


2023 Habitational State of the Market – Casualty

The habitational insurance market is facing a multitude of hurdles when it comes to casualty placements. Casualty markets in the habitational space have been adjusting prices due to increased loss activity and the continued impact of social inflation. Within this landscape, property owners, insurance companies, and brokers are confronted with a new reality. There are few markets offering General Liability (GL) coverage. It’s also difficult to find markets willing to participate in the lead $5M of excess coverage, making the marketplace even more challenging. To succeed in this demanding market, one must strike a careful balance between innovation, robust risk assessment, and adaptability.

Ready to partner with Koru?

Request a Risk Assessment today!