Employers all across the country know the advantages of offering their employees health and wellness benefits, but many employers feel that in order for their profit margins to remain in the black that these benefits have to be reduced or cutout altogether. Dental insurance may be one of the first benefits canceled by employers in an effort to save their company or organization money. Before taking the step to cancel employee’s dental health benefits, employers may want to research the competitive dental plans offered by Metlife. Metlife dental plans are flexible, cost-effective, and are available to employers of all sizes.
Metlife offers group dental plans that are affordable and can accommodate both the employer’s and employee’s needs. Group dental preferred provider organization (PPO) plans are available to employers and include: co-pay plans, graduating dental benefits, and full service dental for retirees. The PPO group plans offer employer’s many design choices that will suit their employee’s dental health at reasonable rates. For example, the PPO co-pay plan has premiums as low as $8 per month. Group dental health maintenance organization (HMO) plans are available in some states, and indemnity plans (traditional fee-for-service plans) and multi-options features may be available as well.
There several funding options available to employers that purchase a Metlife dental plan. These funding arrangement include: voluntary and employer sponsored options as well as fully insured and self-funded options. The various funding arrangements and dental plans available to employers through Metlife may be contingent upon the number of individuals employed by the company as well as underwriting and the requirements of the state in which the company or organization is located. For example, dental HMO plans are only available in California, Florida, and Texas, and voluntary and employer-sponsored funding options are available to companies with more than 10 employees.