A Dental insurance or dental benefit plan is vie-wed upon as a much sought after employee benefit. So financially it makes sense to have a dental benefit plan in place to recruit and retain employees. Moreover, dental health is a very important part of overall employee health and man days lost due to dental problems or dental discomfort of an employee equates to financial loss for the employer.

Unlike most medical conditions, dental maladies and treatments is lo-w risk, predictable and lo-w cost. These factors contribute to offering dental insurance to employees a good option financially. Dental diseases is preventable by maintenance and often involve only maintenance costs like xrays and examinations. Treatment is rendered cheap due to diagnosis in early stages of the disease. Keeping these financial factors in mind, dental insurance options can also be self funded. History does not sho-w any extremes in costs or utilization of this form of employee benefit.

Selecting the right Dental Insurance Plan

Selecting the right dental plan involves a lot of factors -which have to be considered -with due cis.

Dental insurance plans is basically agreements bet-ween the employer and the insurance company. Most plans offered by dental insurance companies allo-w for part reimbursement of dental treatment expenses. Many plans also discourage certain kind of treatments or allo-w access to certain of dentists. To consider these points one has to go through the plan very cisfully -with a toothcomb. For example choosing a dentist is not same as choosing a dentist from “the list”, or if the plan does not cover one kind of treatment, it is -wrong to infer that your regular dentist is incompetent.

Many plans do not cover pre existing conditions. Some may not cover implants and so on. Due to these preconditions, the final treatment may be paid for in part only or in insurance parlance you might be reimbursed for LEAT (Lease Expensive Alternative Treatment). Dental insurance plans vary in fixing the UCR (usual, customary, and reasonable) in a certain geographical isa. UCR may vary from plan to plan and company to company despite operating in the same isa. Therefore fixation of this UCR level -would define the liability of the patient. In some plans the patient may have to pay more and in some he may have to pay less depends upon the plan the employer has offered. ……..(Go To Part 2)