Smile! Your employees are covered.
Group dental insurance provided by Strickler Insurance.
A comprehensive dental plan is extremely beneficial to provide for your employees. Dental insurance will lead to preventative dental care practices within your employees. Get dental insurance benefits for your large or small business with Strickler Insurance.
What Is Group Dental Insurance?
Group dental insurance is essentially a plan to lessen the financial impact of ongoing and small dental checks. Health insurance in comparison is an insurance plan businesses provide in preparation for catastrophic medical costs. Dental insurance in comparison is preventative insurance. It is used for smaller ongoing checkups to prevent larger future dental procedures from being needed. Most dental insurance does not cover larger procedures like root canals. This is why group dental plans are much more affordable and lower cost.
Click it. Read it. Cover it.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
Group Health Insurance
One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.
Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.
Group Life Insurance
When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.
A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.
Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.
Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.
Group Dental Coverage
Failure to have regular dental checkups can lead to more serious problems than a toothache.
Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!
Vision Care Coverage
Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.
Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.
Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.
Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:
- Critical illness, hospital indemnity, and cancer coverage.
- Life, dependent life, short-term, and long-term disability coverage.
- Dental care.
- Vision care.
Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?
A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.
How Much Does A Group Dental Insurance Plan Cost
Dental insurance plans are very affordable and typically do not require a large sum of money to afford. Providing dental insurance for your employees is affordable and an effective way to cover their dental costs. The total costs for dental insurance depend on the plan and coverage options you decide for your group.
What Does Group Dental Insurance Cover?
Group dental insurance plans cover a lot of things. There actually isn’t a dental insurance plan that covers everything, but there are dental insurance plans that cover a large number of dental procedures and cleanings. Most dental insurance plans cover preventative care, x-rays, checkups and cleanings as well as standard procedures like removing a cavity.
Does My Business Need Group Dental Insurance?
Only if your employees smile at the customers. No, we’re joking! Group dental plans are extremely beneficial to have for both large and small businesses. Since dental insurance plans are so affordable it makes sense to provide this coverage with your health insurance coverage. The more insurance coverage you provide your employees the happier they will be with you as an employer.
Small Business Dental Insurance
Small businesses should provide their employees with dental benefit plans. By providing dental insurance to your small business employees you will stand out to them and in return, you will be able to retain your employees. Get small business dental insurance through us.
Get Group Dental Insurance At Strickler Insurance
At Strickler Insurance we seek to provide the best dental insurance plan benefits. We know how much it can help a business grow because we also provide group dental insurance to our employees in Lebanon, PA. We work with businesses in New Jersey, New York, Maryland, Delaware, and Virginia. Contact us for a free insurance quote!
Group Dental Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
Fill out the form, we’ll be in touch.
Review options with an agent.
Get the coverage you need.