Your employees’ health and well-being matters to you. That’s why you entrusted an Acrisure Agency Partner to help design your group medical plan. Though dental coverage is not included in your company’s current insurance program, it can be a key factor to helping ensuring ensure the competitiveness of your employee benefits package and overall satisfaction of your team.
You have many options when it comes to adding dental coverage—but not all of them fit the needs of your business or the needs of your employees. That’s why choosing the right dental coverage broker is so important.
Acrisure’s Agency Partners help secure dental coverage you can count on:
1. Our Partners know you and your business
Unlike big-box ancillary benefits providers, our Partners understand your business and your employee benefit needs. This insight allows our Partners to design an add-on that best complements your existing group medical coverage.
Our Partners do not offer “one-size-fits-all” plans. Your agent can help design a package that encompasses more than one type of dental plan to give your employees greater flexibility to fit their specific needs and budget. These may include options for dental health maintenance organizations (DHMO), dental preferred provider organizations (DPPO) and indemnity (fee-for-service).
Your agent will work with you to tailor the right mix of coverage options for your business as well as help your employees understand their best option. At a high level: the DHMO is similar to an HMO medical plan. DHMOs are considered the more affordable option as they only cover in-network dentists. By contrast, a DPPO has a much wider network of dentists—but it is generally a more expensive plan. Indemnity plans operate similarly to the PPO plans, as they require an annual deductible, partial payment (coinsurance) and the plan pays the rest. However, the coverage percentage varies based on diagnostic, preventative or major service.
2. They are familiar with dental care in your area
To most big-box benefits brokers, healthcare providers are just names and rates in a database. With a national network as expansive as Acrisure’s, our Agency Partners have a deep understanding of the dentists in your market.
Our agents use local information and intelligence to help design a dental policy to ensure your employees have options for their specific needs, from cavities to root canals to more advanced orthodontics. Additionally, our agents are happy to share tips to help your employees pick the right option.
3. They make it easy for you and your employees to manage all health benefits
Securing dental benefits through your group medical broker helps simplify things for you and your employees. Acrisure’s Agency Partner can help coordinate across all plans and provide a seamless, “big picture” view of all medical, pharmacy, dental and other employee benefits. As a business leader, this gives you the ability to manage costs and healthcare options holistically, which can often have a healthier impact on your bottom line.
Additionally, for your employees, a bundled health approach helps enhance care at every stage. They can access all of the information they need from a central source, making it simple to request ID cards, check coverage, submit claims and more. With critical information at their fingertips and our dedicated agents just a phone call away, employees are better positioned to meet their wellness goals—resulting in a healthier, happier and more productive workforce.
When it comes to your employees’ health, every minute matters.
Connect with an Acrisure Agency Partner today to discuss options for customized dental coverage that fits with your company’s existing group medical plan.
For additional information, please visit our website at Acrisure.com. Products or services identified herein may not be available in all jurisdictions. The information and descriptions contained herein (a) are not necessarily intended to be complete descriptions of all applicable terms, conditions, and exclusions of the policies referenced, (b) are provided solely for general informational purposes, and (c) should not be viewed as a substitute for legal, regulatory, or other advice on any particular issue or for any particular reason. The advice of a professional should always be obtained before purchasing any insurance product or service, and you should not rely on the information provided herein for the prevention or mitigation of risks or as a full and complete explanation of coverage under any insurance policy. While the information contained herein has been compiled from sources believed to be reliable, no warranty, guarantee, or representation, either expressed or implied, is made as to the correctness or sufficiency of any representation contained herein.