Benefits administrator blog from Delta Dental

Tag: insurance

Why dental insurance matters for employees

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.

When life happens, there’s Smile On

As a benefits administrator, you know that people’s life circumstances can change at the drop of a hat. Most people get their insurance coverage through work, but what happens when they retire, lose their job or take a break from work? That’s when the Smile On program is there for them.

Smile On is a program designed to help employees with group benefits transition to individual plans. With this program, your employees don’t have to worry about losing dental insurance when their employer-offered coverage ends.

Smile On helps your employees stay covered

Retiring, being in between jobs, or being a contractor or part-timer shouldn’t mean going without dental coverage. That’s why Delta Dental offers the Smile On program.

Smile On offers an easy way to connect your employees with existing individual plans. Smile On plans are new coverage and not a continuation of plans your employees may currently have, but they still provide the essential coverage that helps your employees stay healthy and save money on dental costs. They’ll enjoy the peace of mind knowing that what’s important is covered.

Best of all, getting a plan is something that employees can handle all on their own. They just need to visit the Smile On page, get a quote and choose from the plans available in their ZIP code.

Smile On is easy to promote

You won’t be going it alone when you present Smile On to your employees. There’s a flyer you can use help them understand all that the program offers.

Remember, when your employees need coverage the most, Smile On helps you meet their needs.

Millennials love their insurance jobs?!

2‑minute read

When Sarah Lee asked herself what she wanted to do when she grew up, she did what any millennial might do: She Googled it. “I searched ‘good at math, but don’t want to be a teacher’, and actuary was one of the first things that came up,” she says.

About a decade later, Lee is now happily in her second year as a senior actuarial analyst at Delta Dental. It might not sound like the most “millennial” career, but a job in the insurance industry offers more appeal to the rising workforce than it might seem on the surface.

A recent survey from Vertafore© found that 87% of millennials in the industry would recommend a career in insurance to their friends. What’s more, 76% have been in insurance for more than three years and 72% plan to stay in the industry as long as possible, bucking the popular stereotype of millennial job hopping.

For millennials at Delta Dental, the excitement of an industry that’s always changing keeps them engaged at work.

“There’s always something new in your current role, so you never really get bored of what you’re doing,” says Ben Calderon, senior actuarial analyst. “That’s definitely important. I don’t want to feel stagnant in my position.”

Conversely, Calderon says millennials fuel the evolution of the industry with new ideas and skills.

That’s what attracted Shamekha Ghani to the newly created role of business intelligence manager at Delta Dental. Feeling like her previous position had gotten too routine, she jumped at the chance to “have a big impact” in her job.

“Millennials are very driven by learning, by having challenges,” she says. “They’re really concerned about their career development. They really want to feel like they’re making progress.”

Even in traditional roles, a fresh perspective can make a big difference. When Taylor Granville started at Delta Dental, she saw an opportunity to take her account manager position to a new level.

Granville was originally drawn to the client-facing nature of the role—rather than the world of insurance. But now she’s a major advocate for the importance of dental benefits, and she loves speaking with people and giving them the opportunity to enroll and improve their oral health.

“If you’re driven and you like to make a difference in people’s lives, then it’s definitely the industry to be in,” Granville says.

She adds that the strong insurance job market may allow young millennials to get a fast start on a career.

The intrigue of a stable job with room for advancement might sound old-fashioned, but it’s not completely lost on millennials.

“When I was choosing what career path to go down, I was really focused on [job] stability, and I feel like a lot of my peers were not,” Lee says.

The insurance industry might not seem flashy enough for some millennials, but the ones who found themselves at Delta Dental have found a lot to like. And they can see why 87% of their surveyed peers would recommend a job in insurance.

 

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