Group Dental Insurance

Smile! Your employees are covered.

Group dental insurance provided by Cowell James Forge Insurance Group.

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If you’re seeking group dental insurance, we understand more than anyone how important it is for you to find a quality plan in Kansas, Missouri, and across the country. When you search for “dental insurance providers near me”, you may find that you come across a huge range of providers, and sometimes it can be hard to know which one you should choose.

Cowell James Forge Insurance Group will work with you to make sure that you get the best coverage for the lowest price, not to mention that our dental cover is some of the best on the market.

Why Offer Dental Insurance to Your Team?

Offering your team a comprehensive plan when it comes to dental insurance will add a very attractive element to your package benefits. Our team will work with you to ensure that your team ends up with the highest level of care and at the lowest possible price.

If you want to attract talent to your company or want to give a potential employee the opportunity to choose you over other people, providing dental insurance is a great way to do that.

Regular exams at the dentist can help your team to stay healthy. In fact, simple check-ups can easily detect any serious underlying health conditions, which can include diabetes, heart disease, and anything else of the sort.

The Benefits of Dental Insurance

This study shows that employees who have dental insurance plans through their employers are much less likely to suffer from depression. Those who have dental insurance coverage are also much more likely to have a better attitude towards work.

Dental plans are able to offer preventative care and diagnostic support too. Corrective services including exams, fillings, root canals, or even orthodontia for children are also really beneficial to employee health.

Keeping Your Team Healthy

Dental plans tend to cover preventative care, 100%. Having dental insurance will increase the chances of an employee seeking out preventative services before issues arise and create even more serious health concerns. Sometimes, if an employee does not have insurance, they will leave the issue unresolved, and this can lead to them taking unexpected time off of work. This will hinder the productivity of your team and it will also impact the efficiency of your business. As you can see, it’s safe to say that there has never been a better time for you to add this to your benefits package.

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Employee Benefits

Group Health Insurance

Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.

Solution

Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance

Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.

Solution

A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Disability

Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

Solution

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

Group Dental Coverage

Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.

Solution

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage

Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

Solution

Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage

Risk Factor

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.

Solution

Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • Life, dependent life, short-term, and long-term disability coverage.
  • Dental care.
  • Vision care.

Compliance Audits

Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

Solution

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

Protecting your Team from High Costs

Having insurance will help you out quite a bit, especially when it comes to your employee happiness. You can protect your team from high costs as well, by having a good policy for them in place. Sometimes insurance can pay for the total cost of dental work, but if the total cost cannot be covered then it is still possible for you to get a good discount in most cases.

Workplace Productivity

Employees who have a good standard of oral health tend to have higher productivity because they are way less likely to miss a few days off work because of their oral health issues – or come to work in pain. Most Americans believe that having good teeth helps them to feel more confident also, so it is no wonder why so many businesses are looking to take out insurance as a way to try and protect their team.

If you want to find out more about how dental insurance could benefit you and your employees, or if you want to make sure that your team is getting the coverage they need to stay healthy, happy and confident, then get in touch with the team at Cowell James Forge Insurance Group today!

Group Dental Insurance - Dentist and Dental Assistant Performing a Cleaning

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