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Additional Benefits Group Dental Insurance
Additional Benefits Group Dental Insurance | Group Dental Insurance |
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The Dental Care Market…With so much news in the press regarding modern dentistry, one might be inclined to believe that NHS has all but eroded away. This is not necessarily the case, but finding a good NHS dentist is becoming far more difficult.The current situation affecting most people today is the issue of supply not meeting the demand.
Why Dental Insurance? Over 12% of UK employers provide Corporate Dental plans for their employees – why ? * The most requested benefit, after Medical Insurance. * Everyone can use it! * Recruitment and retention tool. * Reduces absence * Reinforces the message of ‘caring employer’. * Utilises corporate buying power on behalf of employees. Dental Plans Market – what is available? There are a number of differing ways in which you can insure yourself against dental treatment costs, each has certain advantages and disadvantages; 1. Cash Plan – provides limited contribution towards treatment costs. 2. Capitation Plan – covers specific treatments with a specific dentist for a fixed monthly fee. 3. Insurance Plan – Comprehensive dental cover with any registered UK dentist. Due to the way in which it is funded, capitation plans often result in ‘under treatment’ while full insurance schemes can often result in ‘over treatment’ which can reflect the motivations of the dentist concerned. Featured Providers:There are a number of providers in the Group Dental Market; select from the list below for details:1. CIGNA Dental 2. BUPA Dental 3. Dencover 4. Den Plan (AXA PPP) 5. Protego Group (coming soon) |
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