Advertisement

Why should insurance plans have dental coverage?

Dental health is a key factor to preserving one's general health. Employers and other plan sponsors offer dental benefits for a variety of reasons. Offering a dental benefits plan makes economic sense. A frequently overlooked reason for employee absences or poor work performance is dental disease or discomfort. And as every human resources professional knows, days lost can mean money lost. A quality dental benefits plan can aid in the recruitment and retention of employees. Dental benefits are consistently cited as one of the most sought after employee benefits.

Most medical needs and treatments are unpredictable, catastrophic, high cost and an insurable risk. Most dental needs and treatments are predictable, non-catastrophic, low cost and low risk. Dental disease is most often preventable; with the exception of damage due to an accident, dental treatment begins with relatively low-cost diagnostic procedures, such as exams and x-rays. If decay or disease is detected, the sooner it is treated, the less expensive that treatment will be. The dental needs of an employee group are highly predictable. For this reason, a dental benefits plan can often be self-funded. Extremes in cost and utilization (evident in many medical benefits) are rarely observed with dental statistics.

Continue Learning about Dental Insurance Plans

What if I can't afford dental insurance?
American Dental AssociationAmerican Dental Association
If you can't afford dental insurance, you're not alone. One option may be to see if you qualify for ...
More Answers
Can dental insurance help manage chronic medical conditions?
Dr. Michael Roizen, MDDr. Michael Roizen, MD
In a sense, yes.  Several chronic medical conditions (including diabetes) can be partially treated a...
More Answers
How do I choose a dental insurance plan?
American Dental AssociationAmerican Dental Association
Before selecting or changing a dental plan, there are some important things to consider. Some pl...
More Answers
What is a direct reimbursement (DR) dental plan?
American Dental AssociationAmerican Dental Association
Direct Reimbursement (DR) is a self-funded dental benefits plan that reimburses patients accordi...
More Answers

Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.