The business dental plan is a benefit highly valued by employees and provides some advantages (such as increased satisfaction and quality of life, reduction of absenteeism, fight against presenteeism, improvement in health, among others). However, the options may differ greatly in terms of coverage, value and accredited network, for example, and knowing these aspects is key to choosing the best proposal.
It is a benefit that contributes to the loss control of the health care plan, since it prevents and combats systemic pathologies.
In today’s article we will offer 5 tips that will help to make a more accurate evaluation and help in hiring the operator that offers the best cost-benefit. Keep following the reading and know what they are!
1. Verify that the provider is registered with ANS
The National Supplementary Health Agency (ANS) is the regulatory agency responsible for health plans in Brazil and is linked to the Ministry of Health. When operators and plans are registered in the agency, it means that they comply with the norms and requirements imposed – ensuring that the interests of the public will be met.
Thus, the first step is to evaluate whether the agreement is registered and if it has the basic procedures determined by the ANS, which now total about 80. Usually only the aesthetic procedures and referring to appliances (orthodontic) are that they are off the list , and special coverage is required.
2. Check if the plan to be hired is still active
Before hiring a dental plan for companies it is also worth checking if it is still active in the ANS. There are cases where the operator can make updates or create products, making some obsolete.
3. Carefully review each aspect of the proposal
There is hardly any co-participation in dental plans, unless they are the cases considered in special coverages, such as aesthetic and orthodontic treatments. Other issues that are worth checking out are the collection of additional fees, fees and charges and the exceptions that may be covered by the contract.
4. Check the accredited network and the territorial scope
It is also necessary to check which clinics, clinics and professionals are accredited to perform the service by the agreement and if the laboratories are also part of the network. It is possible to observe significant differences in the same region for different planes.
Likewise, it is important to know which cities are covered, since there are regional and national coverage options, for example. In the latter case, the amount charged is usually more expensive. So know your needs well and which plan will best serve you.
5. Do price surveys and dental plan complaints for companies
Not always the high price is a guarantee of quality, just as one should be wary of values far below the market. Ideally, when contracting a business dental plan, it is to analyze the cost-benefit ratio provided by the options. Thus, it is possible to contract an agreement that has good coverage for a fair price.
It is also worthwhile to conduct research on complaints in consumer protection entities. Thus, it becomes possible to identify the ones that are most problematic and to avoid them (even if the amount charged is more attractive).
As we can see, the contracting of a dental plan for companies requires great care, mainly because it is linked to employee satisfaction – influenced results achieved – and costs, which must be well controlled, avoiding excessive expenses.