Dental Plans in Abbotsford, B.C.
Abbotsford is a beautiful city to visit, live and work in; making healthy lifestyle easy to maintain – with the exception of dental health care. Dental work is expensive; so expensive that many Canadians can’t afford a trip to the dentist.
If employees don’t have coverage through work, they often go without dental care or need to buy their own private coverage which can be very expensive. This is why an employee dental plan is so important for employees in Abbotsford.
Group Dental Plan vs Private Dental Plan
With an employer-sponsored dental plan, employees can go to any dentist and receive treatment. Monthly premiums are decided by the life insurance company and depend on the type of plan for both employee and private dental plans.
However, the average cost for individual insurance is typically more than being part of a group purchasing plan.
Employer-sponsored dental plans are based on multiple buyers, so the premiums are lower. They’re also usually part of a total benefits package, and the employer typically pays 50% of the premium.
When you consider an Abbotsford employee who makes minimum wage, private dental care is not financially feasible; and neither is paying for dental treatment, preventative or otherwise. Their options might be limited to suffering until they can save enough to see a dentist or financing the work with a payday loan.
Paying for a Dentist When Needed
Private dental insurance usually has very low annual maximums – sometimes as low as $500/yr., which doesn’t usually cover preventative care for a family of three.
Even for one person, a bad dental year could mean a could fillings, extractions and/or a root canal…$500 wouldn’t cover this. Group dental plans have better coverage with lower premiums. Sometimes even orthodontic visits can be included with an employer-sponsored plan.
When you consider everything, group dental plan insurance is better than private and even more so than not having any insurance at all. The best employees are happy and healthy ones, and it really is in the best interest of an employer to offer a group dental plan.
At Shelter Bay Financial Corp., we are experts when it comes to employee benefit plans; and we fully understand why a dental plan is so important for employees. We are located near Abbotsford in Mission, B.C.
To find out more about our services, please call toll free at 1.888.498.5288.