Posted December 17, 2014
Do dental benefits in a medical insurance plan provide the same coverage as a stand-alone dental plan? Probably not. Here are three reasons to select stand-alone dental coverage.
- Unexpected costs – The Affordable Care Act has focused attention on medical benefits with new requirements and compliance standards. It’s causing employers and consumers to think more about their medical benefits, such as what type of coverage they need and how much the premium will cost. They are discovering that for many plans in 2015, the cost for medical coverage is increasing.
- Medical plans with a combined dental benefit probably cover preventive dental care, such as for one or two dental appointments for professional cleanings and checkups. But fillings, crowns and other services are not covered until the plan deductible has been met. For many plans, the deductible is more than $500. This means that if a dental filling is needed before the deductible is met, the cost must be paid out-of-pocket.
- Health advantages – Employers and consumers should know that, in the midst of the changing medical insurance landscape, dental benefits still are very important to oral and overall health. And stand-alone dental benefits can provide extra advantages.
- During a dental exam, dental professionals can detect signs of health problems, such as diabetes, osteoporosis, dementia and heart disease. According to the American Heart Association, people who have regular professional teeth cleanings have a 24 percent lower risk of heart attack and a 13 percent lower risk of stroke.
- Dental plan enhancements – As medical insurance premiums increase, many employers and consumers are considering cutting back on medical coverage to save money. But a stand-alone dental plan can be enhanced, for not much more in premiums, to include an incentive feature, such Ameritas’ Dental Rewards or cosmetic benefits.
- For the consumer, this is good news for health, image and budget. For the employer, this is good news for attracting and retaining quality employees, and for the budget.
Read more about stand-alone dental coverage.