More than one-third of adults surveyed for the Surgeon General’s study on oral health (2000) had not visited a dentist in the past 12 months. Laurence R. Weissbrot, FSA, MAAA, director of actuarial and underwriting at Northeast Delta Dental in Concord, N.H., says that “75 percent or more of the people who have dental coverage...
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How the Affordable Care Act Affects Dental Plans
Although dental plans are “excepted health plans” exempt from Affordable Care Act (ACA) reforms, two provisions in the ACA could affect dental plans. Coordinating dental coverage with the Affordable Care Act’s requirements poses some challenges for plan designers and sponsors. Essential Health Benefits The ACA requires all health plans sold on the individual and small...
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Group Dental Insurance: A Benefit to Sink Your Teeth Into
At a time when many employers can barely afford medical insurance, why provide group dental insurance? Consider the following: Dental insurance promotes health. Dental health affects much more than an individual’s looks. The American Dental Association reports that studies have linked oral bacteria to heart disease, stroke, diabetes and the birth of pre-term, low-birth-weight babies....
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Employee Dental Insurance for Every Budget
Dental health coverage is the second most requested benefit—right behind medical insurance. With a variety of plan types, any employer can find an affordable dental insurance plan to enhance its benefit package. A fully insured dental plan typically costs no more than 10 percent of the cost of medical coverage, and annual increases are much...
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