If you find that your employer offers dental benefits, then you are in a great position and should take advantage of those dental benefits, because they are the best you will find. Fewer and fewer employers have dental benefits plus health benefits, so if you find yourself in a position where they are available to you, taking your employer up on that option only makes sense. And, no, you should not wait until you have an urgent need to see an emergency dentist before making this decision.
Why do employers get the best benefits?
Sheer numbers are the main reason why employers are able to get the best dental benefits. They can offer the insurance company higher premiums – this is because the employee pays a portion of the premium, and the rest is paid by the employer. Multiplied by several employees, and especially within large corporations where there can be several thousand employees, the insurance company will be receiving high premiums each month. The insurance companies then offer large companies excellent rates on their insurance policies, because they know the overall contract will be large. This allows employers to offer better overall dental plans to their employees than the employees would be able to get on their own.
When a dentist joins a dental network, they agree to offer discounted benefits to those on the plan. This discount can be as much as thirty-five percent. Dentists are also monitored to ensure that all patients are receiving quality care.
Many employers split the cost of the dental plan with their employees, which means that the employees can have affordable dental insurance benefits, which are typically better than individual dental insurance policies, for the same or less cost than an individual dental policy. When they go to the dentist, a portion of all bills will be paid by the insurance company, with a co payment due from the insured patient. This is better than a dental discount program, which simply offers discounted dental care and may be limited in its scope of coverage, although most typically cover visits to an emergency dentist.
Regardless of your current insurance situation, remember that your emergency dentist is always available. Call today to set up an appointment.