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.  

Seeing your family dentist before school starts

by MikeMeehan 8/2/2018 9:49 AM

Each year, 100 million Americans forego a dental visit, and that’s a big problem when it comes to maintaining a healthy smile. Before your calendar fills up with school activities, athletic events and more, schedule routine dental appointments for your kids (and yourself!). No matter how good your oral hygiene habits are, a dental visit provides benefits that regular brushing and flossing can’t, like removing tartar buildup.  Differences between plaque and tartarPlaque is a colorless film of bacteria that sticks to teeth. These bacteria create acids that decay teeth and irritate gums. Luckily, plaque can be removed with daily brushing and flossing. But when plaque stays on your teeth for too long, it hardens or calcifies along your gumline and forms tartar. Once this happens, regular brushing is not sufficient for removal, and that’s bad news for your gums. By pushing your gums away from your teeth, tartar creates pockets that allow bacteria to grow. If tartar isn’t removed with regular professional cleanings, it can cause gum disease, also known as periodontitis, and can even lead to tooth loss. How your teeth are cleaned at a dental appointmentDuring a routine cleaning, your dentist or hygienist uses a modified mirror to find unwanted residue and a metal instrument called a scaler to remove plaque and tartar. The scaler has a bladelike tip that allows them to scrape above and below your gumline as well as in between your teeth. They might also use a vibrating device called an ultrasonic scaler to shake plaque and tartar free. They can then wash away these bacteria with water. When they have sufficiently removed all plaque and tartar, they polish your teeth with an electric brush and polishing paste. The last step is a thorough flossing to make sure there’s nothing hiding between your teeth. Visiting your dentist regularly is an essential part of your oral health routine. Not only will it keep your smile sparkling, but it will also help spot dental issues early before they progress into more costly problems. Take a moment to prepare your family for a school year full of smiles by scheduling dental appointments today. 

How dental benefits help employers stay competitive

by MikeMeehan 7/19/2018 9:22 AM

Full compensation packages that include dental coverage can help you stand out from your competition. Not only do they make you look more attractive from the outside, but they also help you save time and money internally. Read on to learn why dental coverage is a key part of staying ahead of the pack. Attracting talented employees According to McKinsey, top performers in business are around eight times more productive than average performers. Attracting and retaining these top employees is critical in a highly competitive marketplace and offering dental benefits can help.  Consider this: Two out of 3 employees report that dental coverage is an extremely or very important part of an overall compensation package. In fact, dental benefits ranks higher in importance than disability, life and retiree health insurance. And offering an attractive benefits package matters when it comes to the hiring process; 3 out of 4 workers state that the benefits package offered by an employer is an extremely or very important part of their decision to accept or turn down a job.  Saving your employees (and yourself) time and money Every year, Americans lose more than 164 million hours of work from dental disease, costing companies significant amounts of productivity. Offering dental benefits helps employees stay healthy by encouraging them to seek preventive care. In fact, employees with dental coverage are 73 percent more likely to schedule dental checkups annually than those without it. And visiting the dentist regularly leads to better oral health and early dental disease detection, preventing time away from work required to treat more complex issues.  Dental coverage can also help you and your employees lower the cost of medical care. The dentist will screen for oral cancer, increasing the odds that it will be caught early. Additionally, signs of over 120 diseases may be detected in the mouth including heart disease, diabetes and even some cancers, according to the U.S. Surgeon General Report on Oral Health and the World Health Organization. This disease detection may help improve treatment options and patient outcomes.  If you’re looking for a competitive edge, dental benefits can help. Speak with your benefits consultant or local Delta Dental representative to review your options for employee coverage.  

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