Employers are able to get the best dental benefits plans, because they are able to offer the insurance company higher premiums. This is because the employee pays a portion of the premium, and the rest is paid by the employer. When you multiply this by several employees, and with large corporations we are talking several thousand employees, the insurance company will be receiving high premiums each month. As a result, they often offer large corporations excellent rates on their insurance policies, because they know the overall contract will be large. This enables employers to offer better overall dental plans to their employees than the employees would be able to get on their own. A good example of dental benefits offered by an employer is found in MetLife dental insurance benefits. This plan is a group dental plan, meaning the rate is based on the fact that there will be a large group of people on the plan. Their program is a preferred dentist program, or PDP. This means that the employees on the plan must choose their dental health care providers from a list of dentists that have agreed to the terms. Currently, that pool is 90,000 dentists strong.
When a dentist joins the MetLife dental network, they agree to offer discounted benefits to those on the plan. This discount can be as much as thirty-five percent. Dentists are also monitored to ensure that all patients are receiving quality care.
Many employers split the cost of the dental plan with their employees. This means that the employees can have affordable dental insurance benefits, which are a cut above individual dental insurance policies, for the same or less cost than an individual dental policy. When they go to the dentist, a portion of all bills will be paid by the insurance company, with a co payment due from the insured patient. This is better than a dental discount program, which simply offers discounted dental care.
source : http://www.dentalinsurancehelper.com/dental-insurance-articles/dental-benefit-plans.htm
Tuesday, February 10, 2009
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