Open enrollment season is here, and that means it’s time for employees to review their benefits and choose their insurance plans for next year. Most people probably think of medical insurance first, but your employees shouldn’t forget about dental insurance, either.
The value of dental insurance may not be immediately obvious to your employees, but dental insurance is always an important part of any benefits package. Any dental plan that emphasizes diagnostic and preventive care can go a long way towards keeping employees happy and healthy, and additional coverage can make a big difference when major services are required.
Here are three ways you can show them how having dental insurance helps protect employees’ health, happiness and pocketbooks.
1. It keeps employees healthy, and that matters during a pandemic.
People who have dental insurance are more likely to go to the dentist than those without coverage. One of the most valuable benefits of dental insurance is having access to regular diagnostic and preventive care in the form of x‑rays and examinations. In addition to keeping employees’ smiles bright and healthy, these services can also help identify major diseases that have oral symptoms, such as diabetes and kidney disease.
Additionally, poor oral health can have negative effects on overall health. Poor oral health is linked to conditions like heart disease and pneumonia. It’s worth considering that many pre-existing conditions can be risk factors for COVID-19, so staying on top of oral health is especially important for preventing new issues and managing existing ones.
2. It helps keep employees’ morale up, and that means a lot when people are worried about the future.
Americans are feeling pessimistic about the future, according to a recent Pew Research Center survey. It makes sense that more people would feel anxious and concerned when COVID-19 is still making news and the economy remain unsteady: People are worried about their personal and financial well-being.
The sense of safety and security that comes from having insurance can help alleviate some of these fears. Over 90% of employees rate health care benefits as important. According to Milbank Quarterly, employees want insurance “in order to protect against the catastrophic costs of serious illness and to ensure access to medical care” for themselves and their families. The coverage that comes from an employer, especially if it comes at a discounted group rate, can help employees to feel at easy during the fear and uncertainty of our present time.
3. It saves your employees money, and that’s always important.
One of the biggest financial advantages of having dental coverage is that it helps to cover the cost of major dental care. People without insurance tend to experience greater variability in dental costs than those with insurance. Major procedures like root canals and crowns are usually more expensive than simpler ones like cleanings and fillings, but Delta Dental helps to keep out-of-pocket costs down.
Having dental insurance means employees will enjoy increased savings in the form of:
- Diagnostic and preventive care covered at low or no cost
- Lower costs for expensive procedures (since the cost is shared by the plan)
- Discounted fees at in-network dentists
Going to dentists within the Delta Dental network also means that your employees will have safeguards and guarantees in place to ensure that they’re getting both great value and great service. When your employees need major care or have issues with their dentists, a Delta Dental plan can mean the difference between simple predictable costs and unpleasant surprise bills.
This open enrollment season, don’t forget to show your employees how dental insurance is an important part of their benefits package. Help employees make decisions that will let them save money and stay healthy.