How to Offer Comprehensive Dental Insurance

how to offer comprehensive dental insurance

As a company, your employees must be covered in terms of benefits, especially dental insurance. While dental insurance is not always offered, it can be an excellent investment. Supporting your employees and ensuring they stay in the best health possible can impact the work. Read below to learn how to provide comprehensive dental insurance. 

What is Comprehensive Dental Insurance

While not required under the Affordable Care Act (ACA), having comprehensive dental insurance can significantly benefit a company and its employees. Dental insurance ensures employees can take care of regular dental needs. Individuals cannot afford the high costs of healthcare without insurance. Offering dental insurance can put your company a step above the rest and encourage potential new hires to choose your company over another. 

A comprehensive dental insurance plan will cover all components of dental care. In addition, they cover preventative dental procedures such as cleaning and x-rays. Whether an employee maintains their dental health or needs a procedure done, a comprehensive plan should cover all of these circumstances. 

Why Businesses Should Offer Comprehensive Dental Insurance

Offering comprehensive dental insurance is one component that can set a business apart from others. In today’s professional world, employee benefits are more important now than ever. As new generations of individuals enter the workforce, they will be looking at how businesses care for their employees and if they offer the benefits and policies that will aid employees’ health and wellbeing. 

Stand Out Among Other Businesses

Standing out among other businesses is crucial. While a business’s work is critical, how they care for their employees is just as important. Today, most job seekers will be looking at how a company cares for its employees. From team building to time off, these components are vital for positioning your company a step above the rest. For example, offering comprehensive dental insurance will show potential employees that you care about their well-being and understand the impact that it can have on their work ability. An employee’s health should come first, and to do this, a company should offer benefits in the employee’s favor.

Retain Valuable Employees

Without certain employees, many businesses would not be able to function as well as they do. In addition, many employees understand their value to a company. Therefore, you must offer benefits to all employees as a business to encourage them to stay as long as possible. If a skilled individual is thinking about which company they want to work for, having extensive benefits and coverage will put your company in a position to gain them as a new employee. 

Support Employees

Supporting your employees should be one of the top priorities of a business. Not only is their health and wellbeing important, but it can significantly impact how well the company does. If employees are not well cared for, you may risk poor performance or even losing them altogether. Supporting your employees means ensuring that they can receive the healthcare they need at any time. Healthcare is important and should be accessible to all employees. 

How to Offer Comprehensive Dental Insurance

Many may assume that only large businesses with lots of extra funds can afford to provide extensive benefits like dental insurance. Small businesses may not offer dental insurance due to thinking that it will be unaffordable. However, there are ways in which these companies can make it work for their budget. Small businesses can qualify for a tax credit to help pay for employee dental premiums under a few conditions. The small business must have under 25 full-time employees. The average wage must be less than $50,000 a year. Additionally, the company must agree to pay at least 50% of the cost of employee premiums. As a result, small businesses can fit employee dental insurance into a smaller budget. 

How Canal HR Can Help You Offer Dental Insurance

At Canal HR, we have the capabilities to offer your employees a variety of benefits, including comprehensive dental insurance. We work with Spirit Dental Insurance to bring the small businesses we work with the best dental insurance for their employees. After six months of working for their company, all employees can acquire dental insurance. Our dental plans offer comprehensive options to ensure employees are taken care of in terms of dental maintenance care and special procedures. Employees can choose between a high or low option plan with our plan, depending on their needs. Through both plans, employees can see any dentist without selecting a primary care dentist. Employees can receive between $1,000 and $1,500 worth of dental coverage per year, depending on the plan they choose. Both plans cover preventative dental procedures, including cleaning and x-rays. They also cover fillings, bridges, periodontal, crowns, and oral surgery. Our high option plan includes orthodontia coverage as well. 

Canal HR Can Bring Comprehensive Benefits to Your Small Business

Canal HR is an independent HR company serving small businesses across the southeast region of the United States. We offer many different solutions to companies looking for extensive HR services. We offer payroll preparation, workers’ compensation insurance, employee assistance programs, 401(k) retirement plans, and group and individual insurance. We also offer drug testing, physicals, and background checks for hiring purposes. As a small business, hiring additional employees for HR can be an enormous task. Hiring an independent HR company can save your company time and money in this area. Contact us today to learn more about how we can help your business.