As an employer, you want to do everything to attract and retain the best talent. But in addition to offering a competitive salary and benefits package, you also need to offer a comprehensive insurance plan that meets the needs of your employees.
One important aspect of any benefits package is dental and vision insurance. Many people don’t realize that these two types of coverage are not always included in a regular health insurance plan. And while some employers may view them as optional, there are actually many advantages to offering dental and vision insurance to your employees.
In this blog post, we’ll look at some of the top benefits of offering dental and vision insurance. Keep reading to learn more about these types of insurance and how you could implement them in your business or work.
What Dental Insurance Is And How It Works
Dental insurance is a type of health insurance that helps cover the cost of dental care. It can help pay for preventive care, like cleanings and checkups, as well as for more costly procedures, like fillings, crowns, and braces.
Dental insurance plans typically have a deductible, which is the amount you have to pay out-of-pocket before your coverage kicks in. They also have coinsurance, which is the percentage of the bill you’ll have to pay after meeting your deductible. Most dental insurance plans will also cover a certain number of preventive care visits each year without requiring you to meet a deductible.
What Does It Cover?
Dental insurance plans typically cover a wide range of dental care needs. Here are some of the most common procedures and services that are covered by dental insurance:
- Preventive care, like cleanings, checkups, and x-rays
- Basic procedures, like fillings, extractions, and root canals
- Major procedures, like crowns, bridges, and dentures
- Orthodontic treatments, like braces
What Vision Insurance Is And How It Works
Vision insurance is a type of health insurance that helps cover the cost of vision care. This can include routine eye exams, as well as the cost of glasses or contact lenses. Vision insurance plans will typically have a deductible and coinsurance like dental insurance. Some plans may also cover a certain number of preventive care visits each year without requiring you to meet a deductible.
What Does It Cover?
Vision insurance plans typically cover a wide range of vision care needs. Here are some of the most common procedures and services that may be covered by vision insurance:
- Routine eye exams
- The cost of glasses or contact lenses
- The cost of prescription medications for conditions like glaucoma or diabetic retinopathy
Why Is It Important To Have Vision And Dental Insurance?
If you’re a business owner, CEO, HR manager, or you have any position where you have to look for talent and keep your current workforce happy, then you understand providing health benefits is key to achieving that. But how important is offering vision and dental insurance to your employees? The short answer is it’s very important. Some of the main benefits of offering vision and dental insurance are:
1. Dental And Vision Insurance Can Help You Attract And Retain Top Talent
If you want to attract and retain the best employees, you need to offer a comprehensive benefits package that meets their needs. And while health insurance is certainly an important part of any benefits package, dental and vision insurance are also key components.
A recent survey by Harvard Business Review found that nearly 60% of workers would consider switching jobs if it meant they would receive better dental coverage. So if you want to keep your best employees happy and reduce turnover, offering dental and vision insurance is a great way to start.
2. Dental And Vision Insurance Can Help Improve Employee Productivity
Healthy employees are productive employees. And while many factors contribute to overall health, dental and vision health are as important. For instance, research has shown that poor oral health people are more likely to miss work due to dental problems. And while you may not think of vision problems as a productivity issue, they can actually have a significant impact.
One study found that workers who had untreated vision problems lost an average of nearly 6 days of productive time each year. So by offering dental and vision insurance, you can help your employees stay healthy and productive.
3. Dental And Vision Insurance Can Help Reduce Healthcare Costs
While you may not think of dental and vision care as being essential to overall health, the reality is that these two types of care are actually very important in preventing more serious health problems down the road. For instance, eye problems such as cataracts and glaucoma can lead to blindness if left untreated. And dental problems such as cavities and gum disease can lead to more serious health problems if not addressed.
By offering dental and vision insurance, you can help your employees get the care they need before these problems become more serious and expensive to treat.
4. Dental And Vision Insurance Can Improve Employee Morale
Employees who feel like their employer cares about their well-being are more likely to be happy and engaged in their work. Therefore, one way to show your employees that you care is by offering dental and vision insurance. This benefit sends a clear message that you’re committed to helping your employees stay healthy and productive. In turn, this can lead to higher morale and increased productivity.
As you can see, there are many reasons to offer dental and vision insurance. These benefits can help improve employee productivity, reduce healthcare costs, and improve employee morale. And they can also help you attract new customers and grow your business. So if you’re looking for a way to improve your benefits package, consider offering dental and vision insurance. Your employees will appreciate it, and your business will benefit.
Should You Work This Alone Or Find Professional Help?
There are a lot of factors to consider when choosing dental and vision insurance for your business. While you can certainly work through the process on your own, there are some advantages to working with a professional broker.
A broker can help you compare plans from different insurers and find the one that best meets your needs. They can also answer any questions you have about the process and help you navigate the often-complex insurance world.
Working with a broker is not required, but it can be helpful if you’re not sure where to start or if you have questions about the process. If you decide to work with a specialist, be sure to ask about their experience and check references before making a decision.
Benefits Of Working With A Team Of Benefits Experts
There are many benefits of working with a benefits team, including:
1. Helping You Save Time And Money
Working with a team of professionals can save you time and money. They can help you compare plans from different insurers, find the one that best meets your needs, and negotiate better rates on your behalf. In addition, they can answer any questions you may have about the process and help you avoid mistakes that could cost you time and money.
2. Guiding You Through The Complex World Of Insurance
The world of insurance is complex, and there are a lot of factors to consider when choosing a plan. A team of experienced professionals can help you navigate this complex world and make sure you choose a plan that’s right for your business.
3. Helping You Manage Your Risks
Professionals can help you identify and manage the risks associated with offering insurance to your employees. They can also help you develop a plan to mitigate these risks, which can save you time and money in the long run.
4. Helping You Stay Compliant With The Law
The laws governing benefits can be complex, and it’s important to make sure you’re compliant with all applicable regulations. A team of benefits professionals can help you stay compliant and avoid costly penalties.
5. Providing Expert Advice And Guidance
Specialists can provide expert advice and guidance on all aspects of benefits, from choosing a plan to staying compliant with the law. This can save you time and money in the long run.
A Team Of Benefit Experts On Your Corner
Keeping your team members and employees happy and healthy is a must if you want them to stay loyal and productive. One way to do this is by offering them a great benefits package, and dental and vision insurance can be a valuable addition to any benefits package. But choosing the right plan and provider can be a daunting task. This is where Nesso Group comes in.
Nesso Group is a team of experienced health and benefits professionals who can help you navigate the complex insurance world and choose the right dental and vision plan for your business. We’ll work with you to understand your needs and find a plan that meets your budget and provides coverage for your employees. We’ll also help you stay compliant with all applicable laws and regulations.
Our team of Nesso Benefits experts can help you with all aspects of your benefits package, from choosing the right plans to managing your risks. We’ll work with you to create a benefits package that meets the needs of your business and your employees. Contact us today to learn more about how we can help you create a great benefits package for your business.
