Good dental health is a significant part of maintaining an overall healthy lifestyle. Many medical studies today show a strong connection to dental health and a number of potentially serious health conditions. For example, the Academy of General Dentistry says there is a clear link between gum disease and heart disease. The American Academy of Periodontology has published that severe gum disease can increase blood sugar increasing risk to those with diabetic tendencies and those already diagnosed with diabetes. Clearly, supporting good dental health is in the interest of everyone including employers.
The Crichton Group Employee Benefits Practice offers employers and employees several outstanding dental insurance options that are affordable and support good dental health. Most plans provide liberal benefits for diagnostic and preventative services with cost-sharing arrangements for major dental procedures such as periodontic therapy, endodontic therapy, oral surgery and complex restorations up to a yearly maximum. Listed below is an example of typical coverage offered by most plans:
Diagnostic/Preventative Services (Covered at 100%)
- Oral examinations
- Dental Cleanings
- Flouride treatments
Basic Services (Covered at 80%)
- Restorative fillings
- Local anesthesia
- Simple extractions
Major Services (Covered at 50%)
- Gum treatments
- Root canals
- Oral surgery
It is important to note that most plans limit annual coverage to $1,000 – $1,500 annually. Dental plans also exclude most purely cosmetic treatments and have other specific coverage limitations. The good news is that dental plans provide important assistance to employees in improving their dental health.
Fortunately, most employers today elect to include dental insurance as part of the basic benefits package. There are a number of coverage options and cost-sharing arrangements available. Please contact your Crichton Group representative to learn more.