Tips for employees to curb dental costs
BY Carlo Nichini, TRG Benefits Group | December 5, 2012
Insurance Companies in Canada each year talk about 'Trend' in benefit programs. For each of the last 10 years, insurers have requested dental trend increases in excess of 5%. Most employers cannot sustain that level of increase.
Share the following strategies with your clients' employees to help ensure the ongoing maintenance of their dental plans:
- Ensure that bills are accurate and contains only services performed.
- Encourage clients to ask for a 'pre-determination' quote for any procedure over $500.
- Encourage clients to ask for a second opinion from another dentist on large claims.
- Educate employees on prices. For example, fillings do not generally need to be replaced unless cracked or there is extensive decay or breakdown. There was a scare about 'mercury' in fillings but this was more myth than reality; consult with your dentist. And, a crown (inlay or onlay) which typically replaces a filling, is an expensive procedure. Tell employees to ask questions to their dentist before going forward with replacement of fillings by crowns.
- Fee guides are set by provincial dental associations. Tell employees to ask if their dentist follows them.
This was first published on TRG's Group Benefits Blog.
Read more on how to control costs in your clients' benefit plans: