It would be nice to imagine that every employee could count on receiving the medical and dental care they need as an automatic part of their compensation package. But the reality is very different in America today.
Not only is the cost of healthcare constantly on the rise, but many employers have cut back drastically on the level of benefits they can offer employees, with some even eliminating company-funded insurance programs altogether.
While these facts can be stressful and disappointing at times, it’s important to realize that lacking access to traditional insurance benefits doesn’t mean that there are no viable alternatives for hard-working Americans to afford the healthcare services they need.
For example, consider the following ways employees can save on dental care when benefits aren’t an option:
Focus on caring for your oral health at home
This advice could be filed under “too obvious to mention,” but it’s too important to skip.
The simple oral health habits we all learned as children are easily your best weapon in your fight against tooth decay, gum disease, and - by extension - rising dental care costs. If you brush twice a day, floss once a day, and visit your dentist every six months for a cleaning and exam, you’ll likely spend far less on dental care in the long run, and avoid a lot of pain and frustration too.
Use a dental discount program
"The simple oral health habits we all learned as children are easily your best weapon in your fight against tooth decay, gum disease, and - by extension - rising dental care costs."
A dental discount program is an excellent way to access general and advanced dental services between 20% to 50% off normal fees. Since a discount program is not insurance, many of the rules governing how it’s administered are different, allowing for low monthly or annual fees for membership. In fact, dental discount plans like Dental Solutions costs less than $10 a month, and it includes everyone in a household.
This low cost puts a dental discount program within budget for most employees to fund on their own. It also offers a low-cost alternative benefit for employers to offer instead of more expensive traditional insurance options.
Set a budget ahead of time and save
Even with excellent self-care habits in place and a dental discount program you can rely on, there is still some level of out-of-pocket expense required to receive needed dental care throughout the year. Rather than putting off your next appointment because you don’t have the funds available, make a plan at the beginning of the year and set a savings goal with that purpose in mind.
While traditional health benefits may not be available, many employers are able to give their employees access to medical savings accounts, flexible spending accounts, or other financial tools to encourage saving. Look into what options are available to effectively budget for dental care in order to keep those expenses under control.
Although the “good old days” of full benefits for everyone may no longer be the rule, it’s still possible for employees to take care of their oral health at a reasonable cost. If you’re interested in exploring how you can save on dental care with the Dental Solutions discount program, click below for more details.