When it comes to the ideal mix of benefits from their employers, employees want dental insurance. And when companies offer dental coverage, they notice improvements in company morale, and employees learn to lead healthier, more productive lives.
Though employee care is a priority, it’s hard to forget the bottom line. So how can companies save on dental insurance costs without compromising what’s offered?
Consider these 3 things:
1. Utilization Encouragement
Because most dental plans focus on preventive care, employees who use their benefits may be able to avoid serious dental issues, saving everyone money in the long run.
2. Wellness Programs
Investing in employee wellness can reduce costs in 2 ways:
• Healthier employees are happier and more productive. This means less work missed because of dental problems or extra appointments.
• When employees invest in their own health, they’re less likely to file a claim for a more serious condition, which can raise premiums.
Wellness programs can vary. Employers can encourage healthier behavior by offering gym memberships, bringing in a health coach, or providing nutritious lunches and snacks. Companies can also offer premium discounts to employees who meet health standards.
3. Savings Contribution
A Health Savings Account (HSA) allows employees to save money for future qualified dental care expenses and can help employers save on group premiums. HSAs can also allow employers to choose a more basic plan and offset the difference by contributing to an employee’s HSA.
Have questions about your Delta Dental group plan? Don’t hesitate to reach out to us.