Employer Dental Insurance: Your Best Shot at Affordable Dental Coverage


supplemental dental insuranceAn employer dental insurance is your best shot to get affordable dental procedures. All employees should be entitled to dental insurance coverage from their employers. This should be provided free of charge, just as long as the employer and the employee share in the payments that has to be regularly made. Contributions are usually automatically deducted from their salaries, so the employees should not feel the heavy burden of having to pay out of their own pockets for dental procedures anymore.

However, some employers go very basic when offering dental coverage for their employees. Well, this is to be expected. After all, even companies have to cut costs, but since the dental benefits are part of the incentives they use to motivate employees to work harder, they have to offer benefits, however small the package is. Some employees, possibly including you, may find this frustrating as the dental insurance they receive from employers do not really cover their dental needs comprehensively. But the common tip in the dental insurance world is that you should always accept employer dental insurance from your employer.

Why you should accept coverage from employer dental insurance no matter what

  • It’s cheaper
  • It’s more convenient
  • It’s accessible

1. It’s cheaper

The employer dental insurance offered by your employer is definitely the cheapest offer you’re ever going to get. No matter how hard you try to look for a dental insurance provider that offers individual dental insurance that you can avail of on your own, you won’t find one that comes with as cheap monthly payments as your employer-offered insurance. Companies offering dental coverage have special rates for companies who provide coverage for their entire workforce because companies buy dental insurance in bulk. If you work in a company with 50 to 100 employees, and each one is given coverage, the dental insurance company will provide a really good rate to the employer and this rate is close to impossible if you try to get an individual insurance plan.

True; technically, it is not free. But since you won’t have to pay outright for it and the contributions are so small since it is shared by you and your employer, you should definitely not pass up the chance to get dental coverage from your employer.

2. It’s more convenient

Second reason: convenience. Anyone who’s tried to buy insurance products have one thing to say: the process can be long, taxing, and daunting. There are too many details and terms to understand, and too much paperwork to deal with. And if you really want to save money, there’s no way you can pay somebody to do the work for you. But here it is, a company that will take care of the entire process for you. All you have to do is present your requirements and they will do the rest of the work. Thus, the next thing you know, you already have dental coverage you can rely on.

3. It’s accessible

There are now a lot of dental insurance plans that are packaged especially for employees in a company. These employer dental insurance plans come with special rates and are less strict in terms of annual benefit limits, health restrictions, and so on. Since the plan will be provided to a large group, dental insurance providers are usually less strict with the eligibility requirements. You will all be treated and evaluated as a group, not individually. Thus, you won’t have to worry about your credit rating affecting your rates. The company takes care of the transaction with the insurance provider.

Some flexibility concerns in terms of employer dental insurance

There may be some flexibility concerns when it comes to employer dental insurance. Since this is offered to an entire group, the members usually do not get coverage that they want. Instead, they get coverage that’s exactly the same as what the entire group gets. This is how most group-based dental plans work, so you can expect some loss in flexibility. However, if you have special needs, you can buy your own supplemental dental plan to cover that specific area, if it is not covered by your employer insurance. Doing this will still save you more money than refusing your employer dental insurance and buying your individual insurance plan.