Why Dental Insurance for Small Business?
The value of having insurance is to protect against risk and the unexpected costs that can and do arise when the unexpected happens.
Dental insurance is designed to minimize risk by helping to cover routine dental care expenses, such as bi-annual cleanings and x-rays. Having dental insurance also encourages preventative dental care, which saves money in the long run.
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There is a direct correlation between good oral health and good overall health.
Like many parts of the human body, the mouth contains bacteria. Without routine brushing and flossing between teeth, bacteria levels can lead to complications including gum disease and tooth decay. Various medications can also compromise oral health. In many cases, poor oral health has been directly correlated to cardiovascular disease, diabetes, immune disorders, pregnancy complications, Alzheimer's and osteoporosis.
Better Health = Better Savings
The Agency for Healthcare Research and Quality found that individuals who visited the dentist once a year for a dental cleaning experienced less visits for more expensive procedures and lower dental expenses overall than individuals who did not have routine annual cleanings. The study also found that those who did practice preventative oral care were more likely to have dental insurance coverage.
Simply put – when you feel good, you do good. This includes running your business or performing your job as an employee. Because of the strong correlation between oral health and overall health, having a small business dental plan offers tangible returns on investment (ROI).
In terms of productivity, the National Children's Oral Health Foundation (NCOHF) reported that "more than 51 million school hours and 164 million work hours are lost each year due to dental disease, leading to increased educational disparities and decreased productivity."
As the second most popular benefit sought by employees, having a small business dental plan can also help to attract and retain employees. For more information about the value of offering Dental Benefits, read about the rising cost of health care and how to make the most efficient use of every dollar invested in employee benefits programs.
...that Delta Dental continually monitors the impact of health care reform to provide employers, individuals and families updated information as it becomes relevant? Check out Grin! Magazine, Northeast Delta Dental Radio, Facebook, Twitter, Google+, YouTube and Tom's Blog for all kinds of current topics, insights and related tips for supporting wellness through informed oral health practices There is also a convenient mobile app that allows you to access your benefits from your mobile device. This includes access to search for a dentist, claims, coverage and your ID card. There is even a toothbrush timeer to help you stay on top of your daily oral health routine!
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Other Small Business Dental Plan Learning Topics:
Why Dental Insurance? | Dental Plan Cost/Benefit Equation | Choosing a Dental Plan | Oral Hygiene Tips
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