{"id":233,"date":"2020-08-12T23:42:05","date_gmt":"2020-08-12T23:42:05","guid":{"rendered":"http:\/\/www.ebsurance.com\/?page_id=233"},"modified":"2020-09-02T03:35:21","modified_gmt":"2020-09-02T03:35:21","slug":"dental","status":"publish","type":"page","link":"https:\/\/www.ebsurance.com\/?page_id=233","title":{"rendered":"Dental"},"content":{"rendered":"\t\t
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Happy, healthy employees are always a good investment.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Small businesses like yours rely on great employees who work hard, excel at what they do and deliver strong results. Helping them stay healthy, happy and productive is part of your job \u2013 and great benefits make that easier. An affordable dental plan designed around the needs of your small business can keep employees smiling and help them be their best.<\/p>

2 out of 3 employees consider dental benefits to be an important part of their compensation package.<\/p>

New to Dental Insurance? Check our\u00a0Beginners Guide To Dental Insurance<\/b><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Why dental insurance is a win-win for small businesses and their employees<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Dental insurance can help make employees happier and healthier. And, because this affordable benefit can have a surprisingly strong return on investment, it\u2019s also an advantage for small businesses.<\/p>

It\u2019s good for employees\u2019 well-being and wallets.<\/strong><\/p>

Good oral health is vital to wellness because it\u2019s connected to good overall health. In fact, oral diseases may worsen health conditions outside the mouth.1 What\u2019s more, signs of at least 120 diseases, including heart disease and diabetes, can be detected in the mouth.2,3 People with dental benefits are 73% more likely to visit the dentist at least once a year compared to those without benefits.4 Those regular dental visits can help their dentist catch issues early before they become serious concerns.<\/p>

Dental insurance helps save your employees money because:<\/span><\/p>

  • Plans generally cover 100% of preventive care, such as routine dental exams, X-rays and cleanings.<\/li><\/ul>
    • Preventive care keeps costs down by identifying oral health problems before they become expensive to fix.<\/li><\/ul>
      • In-network dentists often agree to charge lower fees.<\/li><\/ul>
        • Dental insurance provides pre-tax savings when offered through payroll deduction.\u00a0\u00a0<\/li><\/ul>
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          Small businesses can get a positive return on their affordable investment.<\/b><\/div>
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          If you\u2019re wondering if you can afford to provide this valuable benefit, consider that there are dental plans that cost less than $1 per day per employee. There are flexible coverage choices to fit most budgets, with\u00a0plans\u00a0that range from basic to comprehensive. Your options also include\u00a0voluntary\u00a0(with employees paying all or part of the premium) and employer-paid plans. In addition, you may receive a tax credit if you pay 50% or more of the costs and have 25 or fewer employees.<\/p>

          Dental insurance can pay off for employers because:<\/span><\/p>

          • When employees enjoy good oral health, they are more likely to be productive and miss less time at work due to oral health issues.7<\/sup>\u00a0Workers miss more than 92 million hours of work annually due to unplanned dental visits.<\/li><\/ul>
            • Offering dental insurance will also make your workplace more attractive to prospective and current employees. Better health, dental and vision insurance are factors for 88% of workers when considering a job offer.\u00a0Job satisfaction is also higher at businesses that provide dental insurance.<\/li><\/ul>
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              By providing dental insurance to your employees, you will stand out from competitors that don\u2019t offer dental benefits and be better able to compete with large companies that have more resources<\/span><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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              What to know about dental insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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              How Dental Insurance Plan Works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              Plans typically cover preventive,\u00a0 basic and major dental care. Benefits vary by plan.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Wide Selection<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              We offer a broad range\u00a0of plans to meet your dental\u00a0needs, both big and small.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Select The Right Plan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              We will point the dental plans similarities and differences to help you make the right decision.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Preventive Dental Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              Regular checkups and\u00a0cleanings now may prevent\u00a0more serious and costly\u00a0issues later.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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              The Value of dental insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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              Improved overall health<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              Research shows good oral health has a positive effect on overall health and well-being. During an oral exam, your dentist can detect signs of 120+ diseases just by examining your mouth!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Encourage routine dental care for long term benefit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              During preventive check-ups, your dentist is better able to detect problems early on and help you avoid more costly and complex procedures in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Cost savings and budget management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              Dental insurance helps you save money by covering up to 100% of preventive cleanings and check-ups and portions of more extensive procedures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Coverage for the unexpected<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              Oral health problems can appear unexpectedly. Dental insurance makes it easier and more cost-effective to get the care you need so you don\u2019t have to worry about the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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              Compare Costs of Dental Plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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              Dentist Choice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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              Out-of-Pocket Cost<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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              DPPO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              Fewer Limitations:\u00a0<\/strong>Not required to visit in-network dentists but DPPO in-network dentists will have lowest out-of-pocket costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Copayment:\u00a0<\/strong>Pay a copayment for procedures. Require you to reach a deductible and have a maximum.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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              HMO\n(Prepaid Plan)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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              Very Limited:\u00a0<\/strong>Choose one dentist or facility. Out of network procedures will not be covered.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Coinsurance:\u00a0<\/strong>No deductibles or maximum. You pay a copayment for certain procedures. Some procedures are zero out-of-pocket costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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              Fee-for-Service\n(Indemnity Plan)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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              Fewer Limitations:\u00a0<\/strong>Large choice of dentists.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Copayment + Fee:\u00a0<\/strong>Pay a copayment for procedures. Additional fee for the dentist since they are not reimbursed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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              Discount Plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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              No Limitations on network<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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              Discounted Fee:\u00a0<\/strong>Reduced fee-for-service is completely out-of-pocket. No deductible or maximum.<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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              Happy, healthy employees are always a good investment. Small businesses like yours rely on great employees who work hard, excel at what they do and deliver strong results. Helping them stay healthy, happy and productive is part of your job \u2013 and great benefits make that easier. An affordable dental plan designed around the needs […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-233","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.ebsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/233","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ebsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ebsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ebsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ebsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=233"}],"version-history":[{"count":11,"href":"https:\/\/www.ebsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/233\/revisions"}],"predecessor-version":[{"id":334,"href":"https:\/\/www.ebsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/233\/revisions\/334"}],"wp:attachment":[{"href":"https:\/\/www.ebsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}