A
Dental insurance or dental benefit plan is viewed upon as a much sought after
employee benefit. So financially it makes sense to have a dental benefit plan
in place to recruit and retain employees. Moreover, dental health is a very
important part of overall employee health and man days lost due to dental
problems or dental discomfort of an employee equates to financial loss for the
employer.
Unlike
most medical conditions, dental maladies and treatments are low risk,
predictable and low cost. These factors contribute to offering dental insurance
to employees a good option financially. Dental diseases are preventable by
maintenance and often involve only maintenance costs like x-rays and
examinations. Treatment is rendered cheap due to diagnosis in early stages of
the disease. Keeping these financial factors in mind, dental insurance options
can also be self funded. History does not show any extremes in costs or
utilization of this form of employee benefit.
