Several companies provide free dental insurance for their employees. As the dental expenses of an average person in a whole lifetime are not too high, dental insurance premiums are also nominal. Such group dental insurances work in a slightly different manner. Employees of these companies are provided a list of dentists who are registered with the insurance company. They can approach them with their dental problems and get the appropriate insurance coverage. In certain areas, dental insurances are provided only for groups and not for individuals.
However, like any other insurance, dental insurance carries certain problems with it. There are forms to be filled out, and the whole process of claim letters, and paying premiums makes the process cumbersome to some. In group dental insurances, the claim letters and premium payments are handled by the employers.
There may also be instances when the money claimed is not released or is released after a long time. Dental insurances have an upper limit per year. If this limit is exceeded, it will not be covered by the dental insurance company. This is a problem considering most dental insurances provide a limit of $1,000 per year; but a single root canal operation may cost $3,500.
Dental insurance normally covers the costs or two dental checkups a year. Simple procedures like cleaning and filling the teeth are also covered by these insurances. As a result of this, people with dental insurance get their teeth checked periodically and most of their dental problems like root canal operations, crown filling and dental bridgework are nipped in the bud. This is actually a clever business ploy adopted by dental insurance companies. By exhorting people to get their teeth checked companies save people from having to spend on expensive treatments in the future.
Dental insurances are actually very cheap to purchase. A dental insurance for an entire family can amount up to $80 in annual premiums. Group insurance premiums are marginally cheaper.
Dental insurance is taken to cover teeth problems. These include problems such as breaking teeth in an accidents or after having a fall. Dental insurance can be flexible and structured in order to meet the different dental needs of people.
The IHC Group is an organization of insurance carriers, and marketing and administrative affiliates that has been providing life, health, disability, dental, and vision insurance solutions to groups and individuals for over 30 years
Health insurance deductibles and out-of-pocket costs can take a toll on your savings should an unexpected medical event occur to you or someone in your family. Metal Gap plans are bundled insurance benefits that can cover the cost of your deductible should an accident, critical illness or hospital confinement take place, reducing the burden and stress from your wallet.
Whether an employer is looking for a basic level of coverage, special contract language for union-negotiated benefits or an enhanced package geared at attracting and retaining employees, IHC has products to meet various group life and disability needs
ihc group telemedicine
Quality, convenient and cost-effective healthcare at your fingertips. Telemedicine offers three great benefits including access to a licensed physician 24/7 through Teladoc, advocacy and support for high-dollar claims through Athos and exclusive discounts on hearing services through American Hearing Benefits