Smile — Benefits Improve
Source: Wall Street Journal (online.wsj.com) Author: M.P. McQueen At a time when workers are shouldering an ever-greater share of health-insurance costs, some insurers surprisingly are increasing benefits in dental plans. A growing number of plans are rewarding patients who get regular preventive care by allowing them a higher maximum yearly allowance. More plans are paying for services that were formerly excluded, including tooth bleaching and dental implants to replace missing teeth. And more plans also are covering additional cleanings or gum treatments for patients who are pregnant or have chronic health conditions. The new features are showing up in employer-provided group plans and some are finding their way even into individual plans. A Way to Fight Disease Experts say the enhanced preventive care is aimed at reducing overall employer health costs by reducing the prevalence of serious disease. A growing number of studies have linked gum disease to such conditions as pre-term births, diabetes and heart disease, although the relationship is not always well understood by science. (All dental plans aren't available in all areas, however, and some of the new features are included only if an employer chooses to offer them.) Delta Dental of California, New York and Pennsylvania and Affiliates, one of the largest dental plans in the U.S., recently introduced a plan that doesn't count diagnostic and preventive care toward the annual maximum. That enables patients to conserve more of their annual benefits allowance, usually capped at $1,500 to $2,500, for such big expenses as bridges and [...]