Back to Top of Page Understanding Dental Benefit Plans Employers and other plan sponsors offer dental benefits for a variety of reasons, including promotion of oral health and attraction and retention of high-quality employees. For this reason, concerns about your dental plan should first be directed to your plan sponsor. Limitations in coverage are the result of the financial commitment the plan sponsor has agreed to make and the benefits the third-party payer will offer in exchange for that commitment. Treatment decisions must be made by you and your dentist. While dental benefit coverage should be taken into account, it should not be the deciding factor in your choice of treatment.
Some employers now offer more than one dental plan to their employees.
In fact, the right to choose between two plans could be the law in your state. To understand and make decisions about your dental benefits, it is important to remember that plans are often very different. To make the best decision for you and your family, you should understand exactly how the different kinds of dental benefit plans work and how they derive their cost savings. There are many ways to design a dental benefits plan. This method typically does not exclude coverage based on the type of treatment needed and allows the patients to go to the dentist of their choice.