VISION AND DENTAL CARE BENEFIT YOU - AND YOUR EMPLOYEES

Voluntary Vision and Dental insurance is becoming increasingly popular among mid-sized companies as a way to bolster their employee benefits programs.

Since passage of the Affordable Care Act in 2010, benefit providers have been adding Vision and Dental care, giving mid-market companies a variety of choices among competitively priced plans that can help attract and retain quality workers. "We continue to see that benefits like these are good for driving employee loyalty and job satisfaction," says Alan Hirschberg, vice president of dental and vision products for MetLife Inc.

Sales of Voluntary benefits keep growing: a survey last by industry association LIMRA International, Inc. showed that Vision coverage increased 75% year-over-year in the second quarter of 2012, while Dental care rose 1%.

To help curb costs, mid-sized businesses often ask employees to pick up at least 30% of premiums for these plans. Most workers are fine with this because the premiums are relatively inexpensive.

In addition to supplementing Group Health insurance, Vision and Dental plans cover tests and procedures that can reduce employers' health care costs down the road. For example, eye and dental exams can be crucial in early detection and management of cardiovascular disease and diabetes.

When it comes to Voluntary benefits, one size does not fit all. For instance, highly compensated employees might want a Dental plan that covers adult orthodontics, while lower-wage workers might prefer coverage for cleaning, fillings and other basic care. Companies can also offer multiple plans, allowing workers to select the premiums and coverage they prefer.

We'd be happy to work with you in tailoring cost-effective, comprehensive voluntary Vision and Dental plans that can benefit your business - and your employees.
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