Does your dental insurance include dental accident coverage?
Many plans simply don’t cover accidental dental injuries. Others make it difficult for your employees to use their insurance. For instance, many plans:
Use limitations and exclusions to apply accidental dental injuries to medical or automobile insurance.
Require deductibles, coinsurance and copays for covered injuries.
Impose long waiting periods that require employees to pay up front. Some may opt to forgo treatment if they can’t afford it. No matter how much they need a procedure, they may not receive the care they need at all.
Limit the accidental dental injury coverage — sometimes to just once per lifetime.
If your employees have coverage for dental accidents, they will be more apt to seek prompt treatment and won’t have to turn to the emergency room for care. Instead, they will be able to see an emergency dentist who is better suited than the ER to help their specific dental issue.
The Importance of Dental Accident Coverage for Families
Dental accidents can happen to people of all ages. Any of your employees could suffer a traumatic dental injury in a car accident or even during a casual game of basketball. But the majority of these injuries falls on children and teens. Roughly 80% of all traumatic dental injuries occur before the age of 20.
Of course, children get hurt all the time, and not all injuries are traumatic. Roughly half of all children will sustain some sort of dental injury, most of them minor — losing that loose baby tooth isn’t going to cause any lasting harm. But some injuries are severe, and the damage isn’t always just to the mouth.
A body of research — including a Dentistry Journal article — shows that traumatic dental injury, especially the loss of permanent teeth, can cause lasting harm, ranging from emotional and cosmetic effects to economic setbacks.
These effects can be mitigated or even avoided with prompt, appropriate treatment. Dental accident coverage allows your employees and their families to obtain that treatment in a timely fashion. But many dental plans don’t offer that option.
Selecting the Right Dental Coverage
Below are some key factors to look for in a plan to ensure it will cover dental accidents:
Comprehensive coverage. Employees will be more likely to receive dental care if that care is 100% covered, with no deductibles, coinsurance, copays or waiting period.
No limits. Give your staff the freedom to seek the treatment they need by not limiting the number of accidents covered each plan year.
A supportive carrier. The right insurance carrier will coordinate with your other insurance plans, including auto and medical.
Is your current dental coverage enough to protect your employees’ health? Ensuring that your employees and their families can seek the treatment they need promotes health and productivity in equal measure — what’s good for your staff’s bottom line is just as good for your company’s.
Stay up to date on the latest health care regulations and trends for your small business: Subscribe to our monthly newsletter.