We Sell Group Dental Plans and Health Insurance
We help California employers make hard decisions regarding their
Group Dental and Group Health Insurance.
Employer Concerns in a Group Dental Plan
Concentration on only the medical portion of an employee benefits
plan can leave the dental coverage out of date and out of touch with
reality. Consider that:
Dental is ranked as one of the most valued employee benefits
(higher than sick leave and STD/LTD).
Studies find that 80% of employees felt that dental was "important"
to their decision to accept a job offer.
Dental benefits can help maintain productivity. Over 164 million work
hours are lost each year due to dental problems.
You Could:
- Cut out of network benefits deeply
- Shift more cost to employees through plan design or increased contributions
- Expand the list of excluded and/or limited services
- Force network utilization by using a DHMO with few available dentists
and/or few dentists who are taking new patients.
But All of These May:
- Reduce employees' perceived value of the plan
- Decrease satisfaction
- Raise out of pocket expense
- Compromise long term oral health
If you lingered over any of the above issues you should take a look at your present group
dental and health insurance program. You will find that new plans offer a variety of HMO,
PPO, RX, Dental and other choices to make the entire selection process better for both employer
and employee. Would you like to be able to choose from a variety of different HMOs and PPO plans?
Defined Contribution
Defined contribution works well with these plans. Employers like the cost control available while
still offering a wide variety of plans to suit the individual needs of the employees.
Frequent Travelers/Employees in Other States
Firms with frequent travelers, employees in other states and employees traveling in foreign countries
have special needs that must be addressed. A frank discussion of your company's operations should always
be a part of the annual policy review.
Independent Brokers
We are independent insurance agents and brokers. We bring a variety of products and companies to the table
when you are in the selection process. Our allegiance is to you and your employees. Put us to work for you now!
Ready for a group insurance review? Firms with a presence in California should email me now...
