A Dallas group dental insurance plan can help support the company in many ways. Dental insurance is an important part of the overall employee benefits that the company uses to attract and retain the best employees in the area.
But there are important medical reasons beyond the health and well being of employees' teeth and gums. Serious health conditions can often be first detected during a routine dental exam. With today's spiraling health care costs, forward-thinking companies are smart to focus on preventative care and early detection and treatment of diseases. This not only helps the employer to lower employee health care expenses, and lower medical insurance premiums, but it helps lower absenteeism due to illness.
A routine dental checkup can often be the first detection of very serious diseases such as diabetes, which is linked to gum disease and cavities. And osteoporosis is often an early warning symptom of loose teeth. Catching and treating these diseases in the early stages can greatly reduce the damage they can have on an employee's life, and reduce the medical expense claims to the company's group health insurance plan.
The group dental plan helps to make oral care affordable and routine for employees. Healthy teeth and gums actually leads to healthy employees. Teeth and gum disease can make employees more likely to have serious health problems. For example, studies have shown that women who have peridontal disease have a much higher likelihood of having premature and low birth weight babies.
The direct medical expenses to to businesses for employees who have premature babies is about fifteen times higher than for employees who have full-term deliveries. And ongoing health problems and medical expenses are considerably higher for premature infants, as is absenteeism for the parents of premature infants.
There is also a medically proven relationship between gum and tooth disease and health and circulatory disease and stroke. New studies have shown that inflammation of the gums can contribute to clot formation in the arteries.
The U.S. Department of Health and Human Services reports that over three quarters of adults over age 35 have peridontal disease. A good Dallas employee benefits agency or Dallas group health insurance agency can help your company select an affordable group dental insurance plan that will improve the oral health and the overall wellness of employees and their families.
There are many types of group dental insurance plans that a company can choose from. These include DHMO (Dental Health Maintenance Organization) plans, Dental PPO (Preferred Provider Organization) plans, and Dental Indemnity plans. These plans vary widely in the variety of choice of dentists that the employee can visit, as well as in the premium cost and the dental benefits contained within the plan.
If the company has implemented a consumer driven health plan, such as a health savings account or a health reimbursement arrangement, employees may also be able to pay for out of pocket medical expenses on a pre-tax basis. This can help make good oral health even more affordable for a Texas company's employees and their families.
A knowledgeable Dallas group health insurance broker can help provide the company with a survey of available Texas group dental insurance quotes, and help the company determine the overall best plan for their employees and budget.
M Chapman is a principal with Texas Group Benefits of Dallas, Texas, a Dallas employee benefits consultant and Dallas group health insurance broker that specializes helping North Texas businesses with fully insured and self-funded insurance plans. His agency helps business structure cost-effective and affordable employee benefits attract and retain great employees. Implementing these plan designs may can often save employers between $1,000 to $2,000 per employee per year with no reduction in overall employee benefits.
Visit M Chapman's web site at TexasGroupBenefits.com You can also contact him at mtchapman@TexasGroupBenefits.com for a free, no-obligation consultation, or for affordable Texas group health insurance quotes, call today, (2140 764-6315, or toll-free (888) 398-6246.
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