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Voluntary Plans: A Good Option for Small Business Owners
Sep 22, 2009
In today's economy, many small businesses find themselves struggling to add or retain employee benefits. Before an employer considers dropping dental benefits, it should consider a Delta Dental voluntary plan.
How it works
Voluntary plans offer convenience and cost savings for both employers and employees.
Benefits of a voluntary plan
- The plan is sponsored by an employer and allows employees to choose whether or not to sign up.
- Employees who elect the coverage pay part of or the entire premium, while enjoying a group rate for the plan.
- The employer collects monthly premiums through payroll deductions and submits eligibility information to Delta Dental.
The voluntary plan is a great option for groups looking to reduce their costs while still offering their employees comprehensive group dental coverage.
- Plans encourage regular use of diagnostic and preventive services (such as cleanings), reducing long-term costs for both employee and employer.
- Improved oral health can lead to better overall health and fewer days away from the job for oral or other health problems.
Unique benefits of Delta Dental voluntary plans
In addition to the usual elements of a voluntary plan, Delta Dental offers some unique features that may appeal to both employers and employees.
- An extra cleaning each year for pregnant women
- Coverage for implants
- Coverage for dental accidents
- Shelf-rates (that is, the same rate for all groups, regardless of level of employee participation)
- Low average annual rate increase (an average increase of only 2.9 percent over the past nine years)
Delta Dental's voluntary PPO plans are available for employers with five to 99 eligible employees. If you'd like more information about Delta Dental's voluntary plan offerings, please contact
your Beere& Purves sales representative.