What is a dental plan?

by MikeMeehan 8/24/2017 10:20 AM

A dental plan is a type of health benefit that helps make care more affordable. You pay a monthly or annual fee called a premium, and, in exchange, the dental plan helps you pay for dental services and procedures. Even if you’re generally healthy and have had few or no cavities, it pays to have a dental plan. Here’s why: • Experience better overall health. People who see the dentist regularly are more likely to report good oral health and improved overall well-being. • Detect diseases sooner. More than 120 diseases, including heart disease and diabetes, have symptoms that appear in the mouth. Your dentist may see these signs during an oral exam, allowing you to seek treatment early. • Treat small oral health issues before they become more serious. Regular dental visits mean your dentist can address concerns early and treat them before they become serious. That’s why most plans cover 100 percent of the cost of preventive services like exams and cleanings. • Enjoy cost-savings. In addition to sharing the cost with your dental carrier, you can save even more by visiting in-network dentists since Delta Dental has pre-established fees with these dentists. • Make dental work more affordable. Dental plans help make dental care more budget-friendly, but the savings are especially helpful when unexpected issues arise – they can help reduce expenses you may not have been prepared for. Ready to purchase a dental plan? Visit https://individual.deltadentalmo.com/ to purchase a plan or find additional information.

How to Use Your Benefits this Spring Break

by MikeMeehan 3/28/2017 4:40 PM

For many high schools, colleges and universities, spring break is here. This might be the perfect chance for you or members of your family to take a trip.   But how do your benefits work if you’re out of state or have a child who is?   Luckily, if you’re using Delta Dental, four out of every five dentists are members of our network, so it's likely you’ll find a dentist out-of-state in one of our networks. Most of our dental plans allow you to visit a dentist anywhere within the 50 states and Puerto Rico. You can receive the same benefits you would receive at home.   If you’re traveling out of the country, some Delta Dental products offer coverage for dental care received outside of the US. You can ask your Delta Dental member company or your benefits administrator if your plan offers this coverage.   Our dentist search tool can help you find out if your dentist is part of our networks. You’ll also want to check your benefits to see which networks you have access to: Delta Dental PPOSM, Delta Dental Premier, Delta Dental PPO Plus Premier, DeltaCare USA or Delta Dental Patient Direct. By scrolling over each of these in the dentist search tool, you can read a description that explains the network.   This spring break, you don’t have to be concerned about your benefits. If you’re with Delta Dental, your plan travels with you!    

Employees Want Better Insurance, According to Survey

by MikeMeehan 2/22/2017 9:46 AM

Employees want better insurance benefit options (health, dental and vision), according to a recent study by the marketing agency Fractl. The study asked 2,000 U.S. workers, ranging in age from 18 to 81, what benefits they’d consider most when deciding between a high-paying job and a lower-paying job. Workers were given a list of 17 perks to choose from. Better health, dental and vision insurance topped the list, with 88 percent of respondents saying they’d give the benefit either “some consideration” (34 percent) or “heavy consideration” (54 percent). Second place was more flexible hours, which also peaked at 88 percent, though fewer said they’d give it “heavy consideration.” The article is similar to a 2015 study by Glassdoor, in which 40 percent of respondents said they preferred healthcare insurance (medical and dental) more than pay raises. Overall, according to the study, nearly four in five employees (79 percent) said they would prefer new or additional benefits to a pay increase. By placing a higher value on additional benefits, employers can attract and retain the best talent in a competitive hiring market. Today, many people have a greater awareness of how oral and vision health contributes to overall health. Researchers have found an association between oral disease and conditions such as heart disease, stroke and bacterial pneumonia, according to the Centers for Disease Control and Prevention. Likewise, many common eye diseases often have no warning signs. A dilated eye exam is the only way to detect these diseases in their early stages. Sixty percent of employees said they would trade two days of vacation for an annual eye exam and a pair of glasses, in a survey conducted by Rosenthal & Sorkin, Managed Vision Care. In the Fractl study, women were more likely to prefer better insurance (health, dental and vision), with 61 percent of women choosing it, compared to 47 percent of men. But health insurance is the most expensive benefit to provide. According to the study, its average cost per employee is $6,435 for individual coverage and $18,142 for family coverage. The study also calculated that fully-covered dental insurance costs a company $576 a year and fully-covered vision insurance between $60 and $120 a year.

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