Ancillary Insurance for Dental
Ancillary insurance makes it easy for employers to provide competitive benefits packages to their employees by supplementing their health insurance with vision insurance, dental insurance, life insurance, and other desirable coverages.
Dental insurance is one of the most sought-after benefits, as it gives employees access to affordable dental services, including preventative care and dental procedures. Since this coverage isn’t included in most health insurance policies, employers should consider offering it as part of their ancillary benefits to ensure employees have access to affordable healthcare.
Here’s what you need to know about ancillary dental insurance, including what’s covered, how it works, and what to look for in a dental insurance policy.
Contact KSA Insurance today to learn more about ancillary insurance and get a custom quote.
Create a Competitive Employee Benefits Package
Businesses that want to attract and retain talented employees, increase employee retention rates, and maintain a happy and healthy workforce need to offer comprehensive, competitive employee benefits packages.
To do this, employers need to consider what benefits are most desirable to their employees and which benefits contribute the most to their overall well-being.
While most health insurance policies do not include dental coverage, dental insurance is an essential ancillary benefit, as it is directly linked with medical health. Dental issues, ranging from mild issues like cavities to serious issues like oral cancer and periodontal disease, lead to employees having to miss significant work hours.
These issues can often be prevented, though, through preventative care and regular visits to the dentist. However, if employees don’t receive dental coverage through their employers, they are much more likely to limit their visits to the dentist.
By providing dental insurance, employers can give their workers access to high-quality affordable dental services, which improves their quality of life and makes them more satisfied with their employment.
What is Dental Coverage & How Does it Work?
Dental insurance provides coverage for a wide range of dental services, including preventative care and major dental procedures. When an employee receives dental services, their dental insurance policy will cover part or all of their expenses.
Dental insurance is a voluntary benefit; however, given its direct link to a person’s overall health and well-being, it is generally considered an essential benefit.
There are several types of dental insurance plans, including:
- Dental health maintenance organization (DHMO) plans: Cover visits to in-network dentists.
- Dental preferred provider organization (DPPO) plans: Cover visits to in-network and out-of-network dentists. Visits to in-network dentists are generally cheaper.
- Dental indemnity plans: Cover visits to any dentists with no difference in cost.
Dental coverage works similarly to medical insurance in that you pay a premium to maintain coverage. Like health insurance, dental insurance also typically requires policy members to pay a deductible before the policy pays for any services.
What Dental Services are Covered?
The specific services covered by dental insurance vary between plans, but typically, coverage focuses on preventative and diagnostic services with the goal of avoiding major procedures.
Covered services are generally divided into four classes:
- Class I: Diagnostic and preventive care (e.g. cleanings, exams, X-rays)
- Class II: Basic care and procedures (e.g. fillings, root canals)
- Class III: Major care and procedures (e.g. crowns, bridges, dentures)
- Class IV: Orthodontia (e.g. braces)
Different services are covered at different levels, depending on their complexity and cost. Class I services, for example, are covered at the highest percentage, while Class IV services are covered at the lowest percentage. Preventative services, like routine cleanings and exams, are typically fully covered.
What to Look for in a Dental Plan
To find the best dental plan, employers should look for a plan that fits their budget while providing exceptional value to their employees.
Employers should consider the following factors when looking at dental plans:
- In-network providers
- Good savings opportunities
- Claims processing times
- High-quality care and customer service
- Option to integrate dental plans with medical plans under one provider
- Hassle-free administration
These qualities make dental plans valuable to both employers and employees.
Request a Quote for Ancillary Dental Benefits
Dental insurance is a valuable ancillary benefit that helps ensure all of your employees’ healthcare needs are taken care of. While this is an optional benefit, employers that want to attract and retain talented employees should strongly consider including it in their employee benefits packages.
At KSA Insurance, we work with employers in South Carolina and across the southeastern United States to help them find comprehensive and affordable dental insurance policies that suit the needs of their companies and their employees.
Contact us today to get a quote and learn more about ancillary benefits and dental insurance.
