Group insurance can help make dental care more affordable by reducing out-of-pocket costs. It also encourages preventive care and better health outcomes since it usually covers all or a percentage of routine checkups and cleaning costs.
Someday you could go into your dentist’s office for a routine cleaning and checkup and find out a problem. When major dental work is needed, many of us don’t expect or plan for it, but putting it off might not be an option and may cause problems to worsen. For example, Kevin, a 40-year-old employee, goes to the dentist regularly. But unexpectedly, his dentist tells him there’s an issue. He’ll need a root canal and a crown, which will likely cost more than his annual maximum benefit.
Typical rollover plans incentivize members to wait until a new plan year to take action on those costly but necessary dental procedures. Fortunately, Kevin finds that his extended annual maximum plans are different.
With an extended annual maximum, Kevin has the benefits he needs when he needs them. That immediate attention to dental care may benefit Kevin’s employer in the future by lessening claim costs from recurring or worsening oral issues.
Vision and health are essential. If you have vision problems and are part of the millions of Americans that do, consider getting group vision insurance. Not only will it help you save money on eye care costs, but you’ll also get discounts on items like glasses and other eye care health products needed to care for your eyesight.