According to the Robert Wood Johnson Foundation, “research clearly documented that unaffordable medical bills and resulting medical debt affect large portions of the US population.” (RWJF) This includes all types of medical care, including dental and vision. People simply cannot afford to get the care they need on their own. That’s why many employers offer group coverage as a benefit of working for them.
Group dental insurance includes plans designed to ensure employees will get benefits when they work for a company. Dental can be managed in a few different ways that will affect cost, copays, deductibles, and actual coverage.
As an employer, you will get to make the decisions on what you would like to be available to your workers. While you may not wish to spend a great deal of money, you certainly will want to offer quality benefits. You need to consider the network. This will include the number of dentists that will accept the insurance.
Most group dental insurance plans will cover preventative care like basic cleanings and x-rays. Other treatments like crowns and fillings can be covered in part depending on the policies chosen.
The whole purpose of group dental insurance is to ensure employees of a company have dental coverage. It is simply too expensive to go to the dentist without insurance, and that is why so many Americans don’t get the care they need. When companies choose to offer dental coverage they will be providing a more enhanced benefits package that will appeal to numerous people.