5 tips for choosing a dental benefit plan for your small business.
Monday, September 23, 2013
Posted by: Gabe Salcido
to a survey conducted by the National Association of Colleges and Employers, graduating students
and alumni rate dental coverage among the top five most important workplace benefits.[i]
many small business owners are unsure what to look for when choosing a dental
benefits plan. In fact, 90 percent of benefits decision-makers rely on a
broker or consultant to help them choose the best plan and carrier for their
Luckily, choosing a dental insurance plan that’s right for your small
business group—whether it’s for two or 200—doesn’t have be difficult. Here are
five questions to ask when buying health insurance:
1. What is the size of the dentist network?
is delivered through contracts with local dentists. The key is how your plan
contracts with dentists to get you the lowest cost and highest quality of care.
Delta Dental of Arizona negotiates a low cost for you with our statewide
network of 3,200 dentists, and we protect you from balance-billing (the
difference between what the plan pays and what the dentist charges). Lower
out-of-pocket costs for you mean that your dental benefits go further. In
contrast, some dental carriers offer only a limited discount from the standard
dental office fee. This can shift the burden of expense to the patient for
costly services such as root canals and crowns. The discounts they offer may
also be restricted to a much smaller network of dentists.
2. What are my payment obligations?
Look for a plan
that encourages preventive care by covering 100% of the costs of initial exams,
cleaning, X-rays, sealants and fluoride treatments. Next, look at deductibles.
This is the amount that you must pay before the insurance company pays for all
or a portion of the costs. You’ll also want to look at the out-of-pocket
maximums. If you are purchasing your dental benefits through a medical
insurance carrier, look carefully at how deductibles and out-of-pocket maximums
apply. For example, a deductible for a health plan might be $2,000 while the
deductible for a stand-alone dental plan may range from $25 to $100. This means
you could pay out-of-pocket for a lot of dental costs before the medical plan
starts paying 100%.
3. Are preventive services covered?
Look for an
insurance plan that emphasizes preventive and diagnostic care. Many people
don’t realize that costly and painful dental problems can be prevented by
regular visits to the dentist, even at the earliest of ages.
4. Does the plan meet my needs?
Assess your company’s
unique situation. Do you have employees whose kids are ready for braces? Might
you be heading for a crown or root canal? Are implants or dentures in
employees’ future or are annual exams, cleanings and X-rays the extent of their
dental needs? Make sure you are paying for services you need and getting the
best value on those services. It’s not just about cost; it’s about coverage as
5. How reputable is the dental benefits carrier?
Make sure you’re
working with an established company. Look at their company profile. How long
have they been in business? How many years have they been specializing in
dental insurance? Are they local or national? There has been a lot of
consolidation in the insurance industry. The amount of experience your dental
insurance company has processing and paying dental claims is important. If dental
insurance is not your insurance company’s main area of expertise, you could be
forced to deal with a subcontracted agency tasked with handling your dental
claims and payments.
Delta Dental of Arizona has been named the no. 1 dental insurance
company by Ranking Arizona Magazine and the Phoenix Business Journal for 14
consecutive years. For over 40 years, we’ve focused on just one thing—dental
insurance—and provide more than 779,000 enrollees with local customer service
and a robust network consisting of 89% of the state’s dentists[iii].
Plus, we’re a not-for-profit company whose mission is to improve lives by
promoting optimal oral health. In fact, through the Delta Dental of Arizona
Foundation, we’ve invested over $7 million into the
community’s oral health needs since 1997. Find out about our exclusive dental
plans for ASBA members at www.asba.com/deltadental.
[i] National Association of Colleges and
Employers. Graduating Student & Alumni Survey, June 2006.
[ii] The Long Group Brand Selection Study,
[iii] Based off the number of contracted Delta
Dental dentists and dentists licensed with the Arizona State Board of Dental
Examiners licensed as of July 31, 2013.