The importance of offering voluntary benefits to employees

by MikeMeehan 8/16/2018 10:08 AM

If you’re an employee benefits manager, you may find yourself performing a balancing act when it comes to compensation packages. Not only are you tasked with satisfying your employees’ expectations, but you also have to meet the financial goals of your business. To accommodate these two priorities, you may consider curbing costs by switching to voluntary dental benefits. Take a look at the value voluntary benefits can offer both your employees and your business.   Savings and convenienceA voluntary dental plan delivers the benefits your employees want while limiting or eliminating your financial obligation. You can choose to contribute to the plan or reduce costs almost entirely by shifting 100 percent of the costs to employees. For employees, voluntary benefits make dental care more affordable by allowing them to take advantage of group rates. Plus, they receive pre-tax savings on premiums through payroll deductions and the added convenience of automatic payments. Similar to traditional plans, your employees will also receive affordable care when visiting a network dentist. A large network such as Delta Dental’s means that your employees’ current dentists are more likely to be in-network, allowing them to take advantage of these savings without switching dentists.  The value of preventive careBecause preventive care is so vital to good oral health, most plans cover 100 percent of the cost. By removing these out-of-pocket expenses, voluntary dental benefits make it more likely that employees will make regular dental appointments. In fact, people with dental coverage are 73 percent more likely to see the dentist annually than those without coverage, and that can mean better oral health in the long run. Regular appointments allow dentists to catch dental problems early, preventing stress, time away from work and costs required to treat more advanced dental conditions. Should your employees or their family members need more extensive dental care, they can rest easy knowing they have comprehensive coverage.  By offering your employees voluntary dental benefits, you can demonstrate the value your company places on your employees’ health. To learn more about enhancing your employee compensation package with this option, speak with your benefits consultant or local Delta Dental representative.  

Costs for whitening your pearly whites

by MikeMeehan 6/7/2018 8:33 AM

Need to prep your smile for a big summer event? Take a look at the most common whitening methods from least to most expensive. Whitening toothpaste can often be purchased for under $20 and will take two to six weeks to show a noticeable difference. This method works by removing surface stains, such as those caused by drinking coffee or smoking. Since whitening toothpastes don’t alter the natural color of your teeth or lighten stains that go deeper than the tooth’s surface, the effects won’t be as significant as other methods.  Over-the-counter whitening strips and gels usually fall between $10 and $100 and can take 10 to 14 days to whiten teeth. The bleaching agents used for these products are weaker than those used by dentists, so they require longer application times than professional whiteners to achieve similar effects. Each product will be applied differently based on the instructions included in the package.  At-home whitening trays typically cost between $150 and $600 and take full effect in one to four weeks. Your dentist will customize a bleaching tray for you to take home and wear as instructed. The bleaching tray looks somewhat like a retainer or mouth guard in which peroxide-based bleaching gel or paste is contained during the whitening process. You may wear it overnight or during the day for several hours at a time.  In-office bleaching can cost between $500 and $1,000 and normally takes less than two hours. The process is completed painlessly at the dentist’s office. After applying a bleaching agent, your dentist may also use light, heat or both to enhance the whitening effect. Depending on your situation, you may need to complete more than one session. Before choosing a whitening method, consult with your dentist to determine the best option for you. Whiteners may not work on all teeth. For example, teeth with porcelain crowns and composite fillings won’t whiten along with your natural teeth, so their color may no longer match. Your dentist can also advise on the safety of your intended method. After or during your whitening process, you may experience a temporary increase in teeth sensitivity. Talk to your dentist if this happens to you.   

How dental benefits improve employees’ well-being

by MikeMeehan 5/25/2018 11:36 AM

Offering a dental plan to your employees isn’t just about oral health. Dental benefits have been shown to improve both oral health and overall well-being. Dental coverage emphasizes preventive care Americans lose more than 164 million hours of work every year due to dental disease. But dental coverage can go a long way toward helping employees avoid oral health problems that require them to call in sick. Preventive care, like regular dental exams and cleanings, is typically fully covered under most dental plans including many of those available from Delta Dental.  Adults with dental coverage are 73 percent more likely than those without to visit the dentist at least once a year. By visiting the dentist regularly, employees can address dental issues right away – before they become costly, painful problems that lead to time away from the office.  Oral health is linked to overall well-beingPeople who keep annual dental appointments are more likely to report good oral health. Those who rate their oral health as good tend to also give their overall well-being a good or better rating.  When it comes to physical health, regular dental visits can help with early disease detection. According to the book, “Oral Diagnosis, Oral Medicine and Treatment Planning,” signs and symptoms of over 120 diseases appear in the mouth including diabetes and heart disease. Catching these diseases early can mean higher chances of effective treatment and less medical costs down the road. And last, but definitely not least, dentists may screen for oral cancer during routine checkups, which can dramatically aid in early detection and successful treatment.  Oral health is linked to successGood oral health touches multiple areas of our lives like speaking, smiling, eating, expressing emotions and more. Without it, people can feel uncomfortable smiling and expressing themselves fully. They may even experience anxiety about their oral health that can make everyday life more stressful.  By feeling confident in their smile and satisfied with their oral health, employees can focus their attention on what matters most.  

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