The value of voluntary benefits to employees

by MikeMeehan 1/16/2019 2:13 PM

As companies look to reduce costs, decision-makers may consider cutting dental coverage. Instead of getting rid of it altogether, voluntary benefits can be a viable solution. By shifting a portion or all of the cost to employees, voluntary benefits help save money while preserving the numerous advantages of dental benefits.  Cost savings Even if employees pay 100 percent of the premium, there are several advantages they can only access through voluntary plans versus finding coverage on their own. Voluntary benefits can mean reduced rates for employees because their premium will be based on group rates. In addition, employees may pay their premium automatically through the company, allowing them to receive pre-tax savings through payroll deductions. Convenience Voluntary benefits don’t just offer cost savings; they also offer time savings. By managing their dental benefits through an employer, employees experience a more convenient way to pay their premiums via payroll deductions. Plus, they can rely on the company’s educational resources to understand their plan and find help navigating the world of dental benefits by leaning on the expertise of their company. Employee morale Voluntary dental benefits may also help with employee morale. Employees consistently rate dental insurance as a “very important” part of a benefits package. Companies that offer dental benefits send a clear message that they prioritize employee needs, health and well-being. This conscious effort to take care of employees can contribute positively to workplace morale. Voluntary benefits offer a unique cost-saving option for companies and significant advantages for employees. To learn if voluntary benefits are right for your company, contact your broker or local Delta Dental representative today.  

Keeping smiles happy when family comes to town

by MikeMeehan 12/19/2018 2:10 PM

If you’re hosting holiday celebrations at your place, add a little prep time to ensure your family’s smiles stay sparkling – especially for relatives traveling from out of town. Consider stopping by the store beforehand to stock up on these oral health supplies:  • Extra floss, toothpaste and new toothbrushes in case someone forgets theirs.• Mouth-friendly snacks like broccoli, celery, carrots, cheese and nuts.• A baby gate so younger guests don’t venture into areas that pose a risk for mouth injuries.• Pain medications such as acetaminophen for children and ibuprofen for adults.• A dental emergency kit with items like gauze, bandages, temporary filling material, dental wax for people with braces, dental cement for broken fillings or crowns and hydrogen peroxide for wound disinfection. Unfortunately, no matter how prepared you are, mouth emergencies can still happen. Make sure you know when to seek professional care. • Toothaches are not the time for home remedies. Call your dentist for their advice. • Depending on the severity, bitten tongues and lips might be solvable at home, but if bleeding continues, you should go to the emergency room.  • Professional care is normally needed for chipped teeth. • Emergency care is always required for adult teeth that fall out from an injury. If you address a lost tooth quickly enough, you might be able to save the tooth.  Because it’s the holidays, most regular dental offices will probably be closed, but that doesn’t mean you don’t have options for professional care. Start by contacting your personal dentist via an after-hours care number. Some dentists will see family members, depending on the circumstances, or can provide a referral to solve the problem. If you end up needing to find a new dentist, look for one in your family member’s dental benefits network. Additionally, you might consider visiting urgent care or the emergency room. These facilities can help manage pain but won’t be able to fix teeth. Your dental benefits don’t cover these visits, so you’ll need to check your medical plan. Your family member will save the most money by visiting a dentist in their plan’s network. If they’re covered by Delta Dental, you can quickly find an in-network dentist with the Delta Dental website or our free mobile app. Stay safe this season and be prepared for any surprises your family might encounter. Happy holidays!

Keeping smiles happy when family comes to town

by MikeMeehan 12/19/2018 2:10 PM

If you’re hosting holiday celebrations at your place, add a little prep time to ensure your family’s smiles stay sparkling – especially for relatives traveling from out of town. Consider stopping by the store beforehand to stock up on these oral health supplies:  • Extra floss, toothpaste and new toothbrushes in case someone forgets theirs.• Mouth-friendly snacks like broccoli, celery, carrots, cheese and nuts.• A baby gate so younger guests don’t venture into areas that pose a risk for mouth injuries.• Pain medications such as acetaminophen for children and ibuprofen for adults.• A dental emergency kit with items like gauze, bandages, temporary filling material, dental wax for people with braces, dental cement for broken fillings or crowns and hydrogen peroxide for wound disinfection. Unfortunately, no matter how prepared you are, mouth emergencies can still happen. Make sure you know when to seek professional care. • Toothaches are not the time for home remedies. Call your dentist for their advice. • Depending on the severity, bitten tongues and lips might be solvable at home, but if bleeding continues, you should go to the emergency room.  • Professional care is normally needed for chipped teeth. • Emergency care is always required for adult teeth that fall out from an injury. If you address a lost tooth quickly enough, you might be able to save the tooth.  Because it’s the holidays, most regular dental offices will probably be closed, but that doesn’t mean you don’t have options for professional care. Start by contacting your personal dentist via an after-hours care number. Some dentists will see family members, depending on the circumstances, or can provide a referral to solve the problem. If you end up needing to find a new dentist, look for one in your family member’s dental benefits network. Additionally, you might consider visiting urgent care or the emergency room. These facilities can help manage pain but won’t be able to fix teeth. Your dental benefits don’t cover these visits, so you’ll need to check your medical plan. Your family member will save the most money by visiting a dentist in their plan’s network. If they’re covered by Delta Dental, you can quickly find an in-network dentist with the Delta Dental website or our free mobile app. Stay safe this season and be prepared for any surprises your family might encounter. Happy holidays!

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