Taking care of oral health is as essential as ensuring general health. Having to live with a toothache is nightmarish and can affect one’s professional responsibility adversely. Surprisingly most individuals tend to postpone buying dental insurance on account of the expenses. The employees are pleased to receive group dental insurance in Long Island City and White Plains, NY, from their employer concerned about their well-being.
Both an individual opting for dental insurance and the employer who is keen to offer a dental plan may have to consider the following possibilities while choosing the right one. There is no right or wrong move involved, though. On the contrary, the company head or HR manager is free to check the pros and cons of each plan and go for one that will benefit the employer and employees. The best plan types that can make a difference to the employer-employee relationship include:-
· Preferred Provider Organization (PPO)- The insured person can visit any dentist who does not have to be included in a network. Obtaining treatment from a dentist in the network can be more affordable. It comes with a co-payment for the procedures done. One is free to provide the facility until the maximum deductible is reached.
· Health Maintenance Organization (HMO)- The employer will bear the premium, but the insured individual would have to reside within a specific area to avail of this opportunity. The dentist needs to belong to the recognized network as well. This plan comes with limitations but is the most affordable one.
· Indemnity Dental Plan- This is the most expensive plan that a company can consider. Also known as “fee for service,” the employer will not only have to bear the co-payment, but the concerned dentist would have to be reimbursed for the services too.
· Discount Plan- The dentist needs to be paid for each service with no network or area of residence restrictions. The financial burden may be reduced a bit as most of the dentists agree to offer discounted services.
It is essential to check the extent of coverage to assess whether the employees would get value for money. The selected plan should not only cover the basics but also have provisions for emergency care. Some of the usual coverage provided by cost-effective plans are sure to include:-
· Teeth Cleaning
· Tooth extraction
· Root Canal Treatment
· Gum cleaning
· Repair of dentures
The insured group may have to wait for the second year to qualify for:-
· Dental implants
· Treatment for gum disease
· New dentures
· Correction of temporo-mandibular joint issues
The additional benefits are not free of cost, however. Reimbursement for emergency procedures may be up to 50%. While group insurance for dental care is not all-inclusive and comes with a price, the employees remain happy to receive oral health care. The employer may choose to provide a more comprehensive insurance plan that includes group life insurance in White Plains and Lake Success, NY.