Using your dental insurance benefits everyone. Employees who have insurance are likely to be happier and more productive. Meanwhile greater participation may result in a lower dental premium for your company. It’s a win-win! Yet, not all employees use their benefits.
Reason 1: “I don’t have time.”
40% of the American workforce won’t use their full PTO or sick days, even for a dentist appointment. Their main fear is potential repercussions for missing work.
Solution: Find the time.
There are a few possibilities that can help fit an appointment into busy work schedules:
· Reassure employees that they will not be penalized for making their health a priority.
· Create a special day-off or allow employees to take a half-day in order to make health-related appointments.
· Bring the dentist to them. Mobile and on-site dentistry is becoming increasingly popular due to its convenience and efficiency.
Reason 2: “I don’t know what’s covered.”
Almost half of employees don’t fully understand their company’s coverage options, preventing maximum utilization.
Solution: Educate employees.
Benefits should be mentioned throughout the year, and not just during open enrollment. Take the time to teach employees about premium, deductible and out-of-pocket costs, as well as what’s covered and how to pull up our great tools, like the cost estimator.
Reason 3: “I’m already healthy!”
Many people believe that they have good oral health. Health problems can be unpredictable, but are often avoidable. Dental disease is nearly 100% preventable, and more than 90% of systemic diseases can be detected at a dental appointment.
Solution: Reward preventive care.
Employees respond positively to incentives when it comes to their health. Brainstorm what your company can do to reward healthy behavior. Consider:
· Award prizes for healthier habits.
· Provide lower monthly premiums for employees who make preventive appointments.
· Bring in a health coach for external motivation.
Have questions about your group plan? Check out our employer resources.