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Individual Dental Plans

 

   Dental health is often overlooked today due to the ever increasing premiums with the big insurance companies. Smaller business owners and organizations are no longer able to afford the cost of dental insurance for its employees and members. Individual dental plans are a great alternative to traditional plans offering quality care and other bonus benefits with affordable premiums for individuals and families.

   For the business owner or organization, there are individual dental plans that can save the company and the employee money while reducing payroll taxes. These are plans that qualify under Section 125 Cafeteria Plans.

   Individuals and families have the option to choose a plan that fits their specific needs. There is no need to purchase a service that will not be used like with traditional policies. Individual dental plans allow you to tailor a plan that works for you and it includes cosmetic and chiropractic dentistry as well.

   Other benefits include: No limit on the amount of care you receive. Most dental insurances put a cap on the yearly amount of dental care you may receive. With individual dental plans you have the liberty to seek care throughout the year because you are covered. And because there are no restrictions or waiting periods, you can start receiving dental care as quickly as three days in some cases. Most plans have a network of dentists throughout the U.S. so you are sure to find one in your area.

   One of the greatest benefits of individual dental plans is there is no gruesome paperwork to fill out. No paying the bill in full and waiting for the insurance company to reimburse you.

   These plans are available for businesses and organizations of all sizes. This includes retired individuals, employees with uninsured dependents; even part-time employees can join and have access to dental care.

   Unlike traditional plans where you pay a monthly premium, you only pay a one-time fee for the entire year. No payroll deductions or automatic withdrawals are needed. When an individual visits the dentist they pay a significantly reduced rate over traditional costs for their services. The savings can be as much as 60% depending on the treatment and plan chosen.

   If you are considering individual dental plans for your business or group it is important that you review each plan carefully before signing up. There are hundreds, perhaps thousands of plans available, but they are not all equal. Some plans offer additional bonuses like discount vision care plans for less than $50 a year. It is wise to choose a plan that specializes in working with businesses, groups, and organizations to ensure that your employees and members get the best benefits for their dollars and you, the business owner, will feel good knowing that you were able to provide a cost-effective benefit to your team.