Small Business Dental Insurance: 2-50 Employees
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How does group insurance work?
Dental care is the most popular employee benefit after medical care itself - sometimes, an employer will add dental benefits to his health care package. As the cost of medical insurance is rising at rates well above general inflation, many employers are reducing the amount of cover they offer or they are passing on more of the premiums to their people. By providing dental plans, the perceived value of the benefit package is quite considerably enhanced.
Dental treatment costs American employers billions of dollars annually in lost productivity if time taken to take family to the dentist is added to the time taken by the actual employee. Maintaining good dental care can help reduce the losses.
Some employers do not pay for dental plans but make arrangements (usually through brokers) with providers to offer discounted packages to their staff in return for the referrals. Commonly, the arrangement will require a minimum numbers of participants, which can vary from 5 upwards.
The cost of group insurance
The cost per insured is bound to be lower for a group than for individual memberships. Like any other business, the administrative costs are lower for bulk and sometimes, brokers commissions will be reduced - the insurer passes on those savings as lower premiums and that helps attract more business.
Typically, a group scheme will save upwards of 30% against the cost of insuring the same number of individuals - the savings for discount memberships are not as high but, of course, they're starting from much lower levels in the first place.
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