But while the pain of a paper cut will diminish on its own, a toothache can take hundreds, if not thousands, of dollars before the pain goes away. Enter dental insurance. Once a big company perk, dental insurance has established itself as a must-have benefit. Quick Tips Uncover the coverage. Make sure to learn the details about the dental treatments that are covered and not covered when comparing dental plans.
Dentist check up.
One of the best ways to get the scoop on how good plans are is by asking your dentist. If you have a tight budget, consider a Section 125 cafeteria plan. With it, employees can pay for dental care through pre-tax payroll deductions. Direct reimbursement plans pay for dental coverage from a pool of money that is set aside by the company. Unfortunately, even though this is the type of plan that the American Dental Association recommends, it can be cost-prohibitive for small businesses.