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Value | Savings Potential | Dental Insurance Products
Dental insurance is the second most popular benefit offered to employees after medical insurance according to a recent industry study*. Employees recognize the value of dental insurance as a cost-effective way to minimize health care costs for themselves and their families. By providing coverage for routine preventive care, a comprehensive dental plan encourages employees to maintain a healthy lifestyle and good oral hygiene by seeking dental check-ups on a regular basis. During routine exams, a dentist checks for early signs of tooth decay, often catching minor problems before they become larger and more costly to treat. But the benefits of regular dental screenings extend beyond healthy teeth and gums. Many health conditions that affect the entire body generate warning signs that can appear in and around your mouth, alerting your dentist to their presence. In fact, regular dental exams can detect symptoms of diabetes, eating disorders and bone loss before they become a major threat to your health.
The cost savings of dental insurance go far beyond the price of dental care. Hours spent by an employee in a dentist's chair or transporting children to and from dental appointments means less time in the office. As an employer, you should know that every year businesses lose about 165 million hours due to lack of treatment for dental disease*. Companies that offer dental coverage as part of their employee benefits program are providing access to services that minimize the need for more costly and time-consuming treatments in the future. By educating employees about the need for preventive care, a dental plan can go a long way in reducing lost productivity and improving the overall health of your employees.The cost of health insurance has increased rapidly over the last several years, forcing many companies to reduce the amount of medical coverage they provide their employees. Others have opted to pass a larger percentage of the premiums along to their employees, raising the amount they must contribute. However, adding dental insurance to a group health plan or increasing existing dental benefits can be done economically and can help offset the frustration felt by employees coping with higher medical premiums. With a relatively small increase in premiums, you can increase your dental benefits and dramatically improve the perceived value of the benefits package as seen by employees
Dental Insurance Products
Guardian's DentalGuard insurance products are available to supplement your employee benefits program. Employees in any size company will receive comprehensive coverage regardless of the plan you choose.DentalGuard Preferred PPO combines the freedom of a traditional dental plan with the economy of managed care. With the PPO plan, your employees and their families can visit any dentist or specialist they choose any time care is needed. If they elect to visit a network provider, they'll receive the highest level of benefits and save on out-of-pocket costs. Best of all, our DentalGuard Preferred PPO features one of the industry's most extensive nationwide dental networks with over 70,000 provider locations.Maximum Rollover is an innovation in dental insurance allowing DentalGuard members to roll over a portion of their unused annual maximum into a personal Maximum Rollover Account (MRA). These benefits stay with the employee in case they use their entire maximum in future years. To qualify for Maximum Rollover, a member must submit a claim and not exceed their plan's pre-determined paid claims limit during the benefit year.DentalGuard Basic Plus and DentalGuard Basic are two lower cost versions of our DentalGuard product designed to help businesses provide an economical alternative to employees needing a less rich dental plan. Customers can choose one of these options, or customize their own plan design, offering them flexibility and control with the same level of customer service Guardian provides all our customers.Guardian also offers pre-paid (DHMO) dental plans in certain geographical regions.Group dental insurance and all of our employee benefits products are sold through our group sales offices across the country. Our knowledgeable sales representatives can help you choose the coverage that's best for your employees and best for your bottom line.Find a group sales office near you.
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