One in Four Employees Don’t Use their Dental Benefits, Do You? - Abel HR

W2 Issues/Concerns

  • This field is for validation purposes and should be left unchanged.

Blog

Check out our weekly blog posts and see the latest news and discussions happening in the HR world of business.

One in Four Employees Don’t Use their Dental Benefits, Do You?

Results of a new study suggest that one in four employees who have dental insurance aren’t using their benefits due to concerns about cost. Specifically, the study found that the employees had forgone routine dental cleanings and check-ups in the past 12 months – even though these services are generally covered by dental insurance – suggesting that there is a lack of understanding about what these benefits include.

In the survey, which was conducted by benefits provider Lincoln Financial Group, the majority of employees reported that dental coverage was a “must have” benefit, but half of those surveyed indicated that their employee had not provided adequate information about what these benefits include.

In the survey, 65 percent of employees wanted their company to provide general information about what’s covered by their dental insurance plan, 54 percent indicated that they would appreciate an employee-provided list of local in-network dentists, and 34 percent would like ratings or rankings or those in-network dentists.

While dental anxiety can keep some people from seeking out care, misperceptions about the cost of routine dental services also serves as a significant deterrent, particularly for employees who have higher deductibles as part of their benefits plans.

However, Scott Towers, president of the dental division at insurance provider Anthem, notes that under more than 90 percent of dental plans, diagnostic and preventive treatment are fully covered outside of a deductible. Further, most plans now have a $50 individual deductible and a $1500 annual maximum.

Towers further notes that while some employees worry that a dental visit will reveal a need for treatment that they will then have to pay under that deductible, use of the fully-covered “appropriate preventative dental services ensure that less serious and invasive procedures are needed down the road, especially for adults running into periodontal issues.”

To get the message across, Towers recommends that employers make use of the latest interactive tools, online apps and other digital platforms that help explain dental coverage and provide links to the types of information that employees want most, namely information about the cost of treatment and links to in-network providers (often times with reviews!) Health coaches or care managers may also be available under some treatment plans and can provide more in-depth information about the benefits of routine dental care.

To review the full study, please click here.

 

Featured BLOGS

  • How To Reconnect Remote Employees

    What was once meant to be a 14-day break to “flatten the curve” quickly turned into a nearly one-year departure from life as we know it. While it seems daunting to go back, a theme of a recent survey suggested that what workers miss the most (besides the free office supplies!) was the connection with others. In the study by Office Depot, a whopping 56 percent of workers reported that they were excited to come back. Upon their return to work, 55 percent reported that they were excited to see their coworkers, 42 percent wanted their own personal space, 37

  • Why Having Time-Clock Software Is a Must

    When we look at old movies where employees are knocking off work, we often see them punch a time clock – an antiquated piece of technology that many have assumed had gone the way of the dodo. However, reports suggest some 78 million workers still punch in and out of work each day, representing just shy of 60 percent of the nation’s hourly workers. But surely there’s a better way? Enter time management software, which does away with the actual punch clock, the “sign in/sign out” paper, or takes the place of that complicated shift spreadsheet you’ve struggled with all

Archives