The National Association of Colleges
and Employees ranked dental insurance third in a 2006 survey. Dental
Insurance was right behind pay raises and health insurance in importance.
The problem with good dental insurance is that most plans are very
expensive and can cut into wages of the employees significantly.
In some cases where the business or group is small there aren’t
enough people to even qualify for the dental insurance plan, as
most of the dental insurance companies require a minimum amount
of participation. Discount dental
plans are becoming more prominent because it offers large discounts
and saves the employee money.
Small businesses and other groups that are limited in size are
already dropping the dental insurance carriers if they have them
and offering discount dental plans to their employees. These plans
will cover nontraditional employees that typical dental insurance
won't cover such as retiree's, dependents not normally covered,
part-time workers and seasonal workers. Discount dental plans can
be customized for your small business and there are no minimum participation
requirements. You can find discount dental rates that start around
79.95 per year to join and you have the coverage starting immediately.
With your HMO an average cost per year just on your premium is going
to be in the neighborhood of 192.00, PPO 288.00 per year, and a
dental indemnity is not uncommon to reach around 372.00 per year.
With a discount dental plan as apposed to dental insurance you don't
have a limit on how much you save in a years time or the services
covered. There are even special discounts available for your business
or organization if you are nonprofit. With so many options available
for discount dental plans, as apposed to dental insurance plans,
it's easy to see why businesses are moving that direction.
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