In today’s competitive marketplace, most businesses wish they may provide current and potential employees with comprehensive dental care benefits. “Dental plans rank as the 3rd most significant employee benefit, just behind health and retirement.”18 In accordance with Cathy Smithwick, dental practice leader at Mercer Consulting, dental coverage may be the “visible benefit because on average 75% of employees will use a good dental plan.”19
Dental benefits not merely increase employee satisfaction and morale, but they can also cut down the hours lost due to dental issues. In accordance with Oral Health in America, “employed adults lost more than 164 million hours of work annually due to dental disease or dental visits.”10
A current study from NADP suggests that only 56% of the U.S. population has dental insurance.11 Therefore, inexpensive dental care solutions are 脫牙預約 highly coveted by both employers and employees. “To satisfy employee demand, more employers added dental to the advantages menu in recent years. One of the final holdouts, the federal government, will offer dental benefits to employees in 2006.”20
“Seven out of ten employers (71%) offer dental benefits, often using them while the differentiating aspect in recruiting and retaining employees.”18 The investigation suggests that the bigger a company is, the more likely they are to supply dental benefits. “Among firms with at the least 10 employees, 56% offered dental coverage in 2003. Just twelve months later, that figure leaped to 67%, according to an annual survey of employer-sponsored health plans by Mercer Human Resource Consulting. Dental offerings among large employers (500 employers and up) jumped from 90% to 96% of firms.”20
Unfortunately, many businesses cannot afford to pay for all or section of their staff’dental benefits. “Mercer data show dental costs averaged $577 for all employers in employers in 2003 and edged around $598 in 2004, a 3.6% increase. Large employers, meanwhile, saw a 5.4% increase from $574 to $605.”20 In accordance with Evelyn Ireland, Executive Director of NADP, “employers aren’t dropping dental coverage, but they’re squeezing the quantity of money they’re contributing to it.”20 Whilst the expense of providing dental benefits with their employees continues to rise, businesses are passing these price hikes on to employees. “The most obvious means for employers to control dental costs … is to produce employees pay more.”20
Kirk Rothrock, CEO of CompBenefits, believes that many businesses are shifting the expense of dental benefits with their employees.20 “The greatest trend we’ve seen over the last 3 or 4 years may be the move from employer-paid benefits to voluntary benefits,” he says. “Employers are saying, ‘I can’t afford to pay for your dental benefits.’ ”20 The State of the Dental Benefits Market, 2005 confirms that “over 70% of the people is paying at the least a portion of their dental premiums” and about 25% are investing in their entire dental premium.16
Many businesses are turning to discount dental plans, an inexpensive option to dental insurance, to defray the expense of providing their staff with valuable dental benefits. Discount dental plans present flexible, affordable dental benefits that are an easy task to implement and practically effortless to manage. They give businesses with a perfect way complement their existing benefits and provide a more balanced benefits package. Many businesses are using discount dental plans to supply dental benefits to the people that are rarely covered by traditional dental insurance, including retirees, part-timers, seasonal workers and uninsured dependants.
Discount dental plans are much less costly than the $600 many companies are now paying to cover employees with traditional dental insurance. Furthermore, discount dental plans save businesses valuable company time with convenient dental benefit solutions free of tedious paperwork hassles. By providing employees the freedom to choose their particular plan, businesses are relieved from the burden of picking dental benefits to suit the unique, individual needs of their diverse workforce. Discount dental plans allow businesses to award their staff with the peace of mind they deserve and the affordable dental care they desire.