Employee dental insurance plans can help cover the dental healthcare expenses that major medical insurance alone may not cover. Some small business leaders fear that they can’t offer dental insurance to employees due to limited budgets. At Canal HR, we make offering dental insurance and other benefits easy and affordable with our team of experts. Learn more below about how your small business can offer employee dental insurance plans with Canal HR.
Like major medical insurance, employee dental insurance plans are meant to maintain the health and well-being of your workforce by providing coverage for a variety of dental healthcare expenses. While some major medical plans will cover dental healthcare costs, this is not the case for all major medical insurance plans. Offering employee dental insurance plans can ensure that your employees can take care of any regular or unexpected dental healthcare needs that arise.
Small businesses do not have to offer dental health insurance to full-time employees under the Affordable Care Act (ACA). ACA tends to view dental insurance (and dental healthcare, in general) as an optional healthcare choice and does not require adults in the United States to have dental health insurance.
As a small business leader, you may wonder what offering employee dental plans can do for your organization and employees. There are many reasons that offering employee dental insurance plans can be great for your small business:
Dental insurance plans are not offered to employees as often as other insurance plans, like major medical health insurance. For this reason, employers who offer dental plans are in high-demand amongst job seekers.
Many job seekers are looking to join a company that can offer them competitive benefits. Offering dental insurance can help bring even more high-quality job candidates to your company and boost employee retention rates.
Employees feel more comfortable and prepared to work when their overall health is maintained. Employee dental insurance plans ensure that employees can take care of their overall health needs and will be less likely to miss work due to poor health.
Despite the positive aspects of offering employee dental insurance plans, many small businesses fear that offering this insurance is too expensive for their smaller budgets. However, there are measures in place that can help small businesses bring dental coverage to their employees for an affordable price. Your small business could qualify for a tax credit to help pay for employee dental premiums by meeting the following criteria:
It can be difficult to navigate the employee dental insurance marketplace. Thankfully, Canal HR is a PEO dedicated to helping you get your employees the affordable coverage that they need to stay happy and healthy.
Through Canal HR, your small business can offer dental insurance plans for employees who have been with your business for at least six months. We work with Spirit Dental Insurance to bring quality dental care coverage to small businesses across the southeastern United States.
Here are some of the benefits of bringing our employee dental insurance plans to your small business and employees:
For more information on both our high and low option employee dental insurance plans, you can click here to view complete plan descriptions and costs.
Canal HR is a professional employer organization with years of experience bringing human resources services to small businesses across the south. By outsourcing your payroll, employee benefits, and worker’s compensation services with us, you can spend more time catering to your business’ most direct needs. Contact one of our Licensed Customer Representatives today to learn more about how Canal HR can help your business thrive.