This has vision,dental and a drug card all in one.Click below for pricing

United Benefit offering Dental, Vision, Prescription, Accident Coverage

Dental insurance is one of the most attractive growth opportunities for customers in the benefits marketplace today.

The second most requested form of coverage after medical insurance, dental coverage continues to grow rapidly because of strong demand from individual customers and flexible options for employers, and the relatively low cost for both. In fact, demand for voluntary plans is growing by 15 percent or more annually.

For customers, dental insurance represents an opportunity to add value to their existing plans. The key reason voluntary dental plans are growing faster than medical plans is that their reduced expense outlay and less burdensome administration makes them easier to sell. In comparison with medical insurance, dental coverage has a lower utilization rate and fewer catastrophic and emergency claims, and it is easier to administer from a customer service perspective.

All of this adds up to a revenue stream that is less volatile than medical coverage, which can run aground when budget-busting claims prompt employers to rethink their coverage options. Dental coverage, on the other hand, delivers fewer surprises. Even the more expensive dental claims, such as implants or bridges, cost far less than a complicated pregnancy or a transplant claim.

The growing market for voluntary dental coverage
Many employers still offer employer-paid coverage, but for cost-saving purposes, a growing number are opting for voluntary group plans.

Because the cost is low, our agents can make a strong case that employees should pay for this valuable benefit. In addition, voluntary dental provides an opportunity to purchase dental at reduced group rates.

In buying dental, itýs important to note that plan provisions have improved significantly in recent years. Most people, in fact, donýt max out their plans each year. That flexibility provides individuals and families with an opportunity to take full advantage of the benefit.

Interestingly, the sale of dental coverage is often influenced by geography. In the Northeast, employers traditionally pick up a large portion of the cost of dental coverage (although with the escalating cost of medical insurance, that is changing). In the South and the West, on the other hand, there is a higher preponderance of voluntary dental.

Making a strong case
One challenge with voluntary dental is managing the communication and enrollment processes. Since there is an employee cost, members must be certain that the expense is worth the benefit. That requires taking enough time to clearly articulate the benefits of the plan.

ý Make sure employers and employees fully understand the range of coverage options and features. Does the plan cover oral surgery, oral cancer screenings, dental implants, or bridges?

Gary R. Harrell  is the CEO and chief business development officer of  Affordable Health Insurance Inc. he can be reached at 847-437-1113.

*****If the quote is not what you want or need please call us we have over five different companies with individual dental insurance.