Dental Plan -
Make Sure You Choose the Right One For You and Your Organization.
Utah Dental Quotes NOW!
Utah Dental Plan -
Offering one makes economic sense to you as an employer. One reason for employee
absences or poor work performance is dental problems. A Utah
dental plan can help you find and keep good employees. In fact, Utah dental
plans are one of the most requested employee benefits.
Utah dental plans
are unique from medical insurance plans because most medical expenses are
unpredictable, high cost and an insurable risk.
Most dental needs and treatments
on the other hand are predictable and low risk. Dental disease is most often
preventable and treatment begins with relatively low-cost diagnostic procedures,
such as exams and x-rays. If decay or disease is detected, the sooner it is
treated, the less expensive that treatment will be. The dental needs of an
employee group are highly predictable. Extremes in cost and utilization (evident
in many medical benefits) are rarely observed with dental statistics
Utah dental plans are business arrangements between
an insurance company and an employer. Most plans are designed to pay only a
portion of your dental expenses. However, dental plans may exclude or discourage
certain treatments, such as dental sealants, which can prevent tooth decay and
save you money later on. Carefully read a plan and know its limitations.
Some plans do not
cover pre-existing conditions, such as missing teeth. Others may not cover
dental implants, specialist referrals and other dental needs. Even when you and
your dentist agree on the appropriate treatment for your condition, the contract
provision of the dental plan may only pay a portion, or pay only for the LEAT
(least expensive alternative treatment) as determined by the insurance company.
Another term you
need to be familiar with is UCR (usual, customary and reasonable).
Insurance companies use UCR to determine the portion of the dental treatment fee
they will pay. UCR reimbursement levels are determined by the plan
administrators. They may vary greatly between different plans — even when those
plans are available in the same area. The fee the insurance company determines
to be "customary" may be very low compared to the area's average actual fee for
the same services. The plans then generally pay a certain percentage of the UCR
level which results in patient paying a greater portion of the treatment costs.
can help you answer the following questions as you determine the best plan for
you and your employees:
Will your employees retain the freedom to choose their own
Is the treatment determined by the patient and the dentist or by
the insurance company’s payment policy?
Does the plan cover diagnostic, preventive and emergency services?
Will it cover preventive services such as sealants and fluoride
treatments, which may save patients money over the long run?
What type of routine dental care is covered?
Does the plan cover crowns and bridges, braces, root canals, oral
surgery and treatment of periodontal diseases?
What major dental care is covered, i.e. cover dentures, implants or
treatment for TMJ?
Will the plan allow for referrals to specialists and will the
dentist be limited to a list of specialists from which to choose?
How does the plan provide for emergency treatment?
Benefits Manager today for help in correctly configuring this all important
benefit for your employees.