Various dental insurance plans with numerous variations are available today. You should take proper care and time to consider all options.
Most expensive plans:
Direct reimbursement plans
These plans are the most expensive of the lot. They operate by paying for employee dental coverage from a pool of money set aside by the company for this purpose.
The simplicity of this plan makes it the most effective, the reimbursement is made by a simple formula doing away with the complexity of co-payments, deductibles, etc. Even though ADA strongly recommends this plan, this kind of direct dental care may not be affordable by smaller companies.
Least expensive plans:
Managed care plans
Similar to a medical HMO, managed care dental plans need to pay for the treatment through regular co-payments and choose forma pool of dentists to get treated. These plans do various cost-control measures and can more affordable for small businesses.
The co-payment amount varies according to procedure. Preventive procedures are usually performed without co-payment, however advanced procedures will bear higher co-payments.
The choice lies with the company and their financial managers, however great care is recommended in choosing the plan.