Employee benefits packages are great for companies wanting to attract and retain highly qualified talent to their staff. In addition to offering retirement packages and paid time off opportunities, health insurance is often a key component of a benefits plan. While there are mandates for general health insurance, companies aren’t required to offer coverage for vision or dental services. However, group plans can be underwritten to include medical, dental, and vision insurance.
Extending Coverage Options
Rather than limiting enrollment to a basic healthcare plan, a company can offer affordable services through a group health vision coverage or dental plan. These are used in addition to a health insurance plan, as it is a supplemental policy. Some states have Medicaid provisions for children and adults, but employer-sponsored plans typically allow for enrollment and coverage of eligible dependents.
Understanding How Plans Work
Vision and dental insurance follow similar processes as a traditional healthcare plan. Premiums are paid, either solely by the individual or supplemented by the employer, and discount services are the return for enrolled employees. There are limits to coverage, exclusions, and eligibility requirements, but typically the plans follow standard deductible and payout procedures.
Companies will generally bundle healthcare coverage with vision and dental, making it easier for individuals to purchase insurance that addresses total body health. Group plans extend eligibility and are more affordable than individually purchased plans.