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.  

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.  

How Dental Benefits Go Beyond Dental Issues

by MikeMeehan 2/14/2018 2:04 PM

In honor of American Heart Month this February, we’re taking a look at an unexpected way to curb heart disease – visiting the dentist. Scheduling a dental appointment isn’t just about taking care of your teeth. Your mouth can reveal a lot about your overall health. Signs and symptoms of dozens of systemic diseases, disorders, syndromes and other conditions can appear in the mouth. Bleeding gums, burning or dry mouth, loose teeth and bad breath (to name a few) may point to health issues in different areas of the body. These issues include diabetes, heart disease, infectious diseases and a variety of others. If these indicators are present, your dentist will refer you to your physician for next steps that encourage proper diagnosis. Visiting your dentist regularly for a thorough examination of your teeth, gums and just as importantly, all other soft tissues in your mouth has multiple benefits. It can prevent small problems from becoming major issues and identify systemic diseases early. The earlier you detect and treat these diseases, the easier they are to manage. Early detection can help prevent the disease from causing more serious problems and can lead to better overall health in the long run. A study completed by the American Heart Association found that people who receive regular teeth cleanings have a 24 percent lower risk of heart attack and 13 percent lower risk of stroke.1 It’s also important to know that having a dental insurance plan can help. Most dental plans cover preventive services, such as exams and cleanings, at little or no cost to you. And people with certain medical conditions, like heart disease, may be eligible for enhanced benefits. These benefits may include coverage for additional exams and cleanings, periodontal maintenance and fluoride treatments. Think about your overall health and schedule your next trip to the dentist today.

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