Nothing is more annoying than nicking yourself shaving, a paper cut, or a toothache. Shaving nicks and paper cuts go away in a few days with no cost but a toothache can end up costing much more money than you want to spend.
Without dental insurance that toothache can turn into a financial headache. The insurance is somewhat expensive but well worth it.
Dental insurance isn’t cheap but when you look at the big picture it is well worth it in the long run. What used to be a luxury in the past is now a given in the benefit plans of most companies, large and even small.
Small companies even see it as necessary to offer to employees the benefit of dental insurance. Costing only 10% of the total medical coverage costs, it is very beneficial to employers in the fact that it cuts back on time lost at work by employees due to dental health.
There are many different types of plans varying in cost available today. In order to find the right plan for you or your company great consideration and research is suggested.
Direct reimbursement plans are funded by the company in the form of a pool that goes directly towards this purpose.
Even though expensive, this plan is the most effective as well as simplistic. The formula used to manage this type of plan does away with the hassle of using co-pays and deductibles. The down side to this plan, however, is that it is not feasible for most small companies due to the larger cost involved.
The least expensive type of plans are the managed plans. The downside to these plans is that there are co-pays for each visit to the dentist as well as the fact that the patient must choose from a pool of dentists offered by the plan.
These providers consider the fact that they are considered as being cost effective and try to continue that practice by constantly trying to accommodate small businesses in price.
In the end, the choice of which type of care is to be offered is to be decided by the company and financial managers. Research needs to be done in order to make the best choice in choosing a plan.
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