What is the Value of Vision and Dental Insurance Coverage?

When it comes to employee benefits, vision and dental plans are sometimes seen as “nice-to-haves”—but the reality is, they play a critical role in overall health and employee satisfaction. These coverages are low-cost, high-impact additions that can significantly boost the perceived value of your benefits package.

Why Vision and Dental Matter

Preventive Health.  Routine dental and eye exams can catch early signs of more serious health conditions like diabetes, high blood pressure, and oral cancers.
Affordability.  These services can be expensive without insurance. Coverage helps employees stay proactive about their health.
Family Coverage.  Employees appreciate having affordable options to cover dependents’ dental and vision needs.
Employee Satisfaction.  Vision and dental plans are consistently ranked among the most desired voluntary benefits.

Common Plan Features

Dental Plans:

Preventive care (cleanings, X-rays) often covered 100%
Basic and major services like fillings, crowns, and root canals
Orthodontia coverage for children (and sometimes adults)

Vision Plans:

Annual eye exams
Allowances for frames, lenses, and contacts
Discounts on LASIK or other corrective procedures

Employer Options

Employer-Paid.  The company fully covers vision and/or dental premiums.
Voluntary Plans.  Employees pay the full cost via payroll deduction.
Shared Contribution.  A blend of employer support and employee contributions.

Best Practices

Bundle vision and dental with your medical carrier if possible to save on administration.
Promote these benefits year-round—not just during open enrollment.
Remind employees to schedule annual exams to use their preventive benefits.

Vision and dental benefits are cost-effective ways to enhance your total benefits offering. They contribute to long-term health, reduce out-of-pocket expenses, and help show your team you care about more than just the basics.

For more information, contact the Frost-Beck Insurance Agency.  Call us at 419-592-4476, send an email to frost@frostins.com, or click here to submit your request today!  Or, stop by and see us at one of our four convenient locations in Archbold, Napoleon, Holgate, or Whitehouse.

Coming Next Week, we will explore how to use employee surveys to shape and strengthen your benefits strategy.

—Ross Durham / Employee Benefits Agent, Frost Insurance