After an unstable year, companies are trying hard to put their organizations and their workforce on a steady path moving forward. Some have switched to a remote environment, some have returned to the office, and some are toggling between the two. Finding the right work structure and mix of meaningful employee benefits is important for keeping and growing a vibrant staff.
We know creating a healthy workplace where employees feel valued is the goal, but it’s no small feat. Which is why it’s helpful to rely on the expertise of an insurance broker to navigate the (sometimes) complicated world of employee benefits. These industry experts know about more than insurance policies—they are skilled at identifying risks, understanding your company’s needs and searching through the marketplace to find the right resources for you.
At Delta Dental our goal is to provide exceptional dental insurance plans for companies and their employees. So, one way to get the best benefits that meet your needs and your budget is to partner with a trusted broker.
Here are 5 benefits of working with an employee benefit broker:
- Risk knowledge. This is a big one. Because of COVID-19, many employers gained and lost employees, faced financial hurdles or felt all around unsure of their footing in the world. It’s risky running a company right now. This is where the experience of a broker comes in handy. They will work with you to analyze and understand the risks you’re facing. These could include changes in headcount, competition, and staff healthcare needs along with compliance issues. Then, they’ll offer objective solutions and let you compare your options.
- A duty to serve you. An insurance broker works for you, not the insurance company. While they have knowledge about the insurance companies they work with, it is their responsibility to present coverage options that meet your needs. This is regardless of their relationship with an insurance company.
- A range of options. Brokers have access to every coverage option under the sun. Meaning they can help you find the best options for your staff. If you have unique needs or a specific risk to address, a broker can find a policy that fits.
- Troubleshooting. Knowing you have an advocate in your corner provides great peace of mind. Qualified, licensed brokers have the industry knowledge to help you if a problem arises with a claim.
- Time savings. With a wide range of coverage options available, it can take time to research and compare each policy. A broker can make this shopping experience much quicker. They’ll do the legwork to find policies based on your needs so you can save time in the decision-making process.
If you’re in the process of researching dental insurance options and working with an employee benefit broker, there are quite a few questions that might come up, such as:
How Does this coverage support preventive care?
Are in-network dentists located near my employees?
Are benefits customizable?
Is orthodontia treatment covered?
Because they are specialists in insurance practice and management, a broker can help you examine these questions and offer advice. As you plan for your company’s employee benefits, read through our handy dental insurance guide for small businesses. This guide can help you think of questions to ask your broker so you can find a plan that feels custom-made for you and your team.
Searching for the right insurance coverage can be confusing and time-consuming. Working with a professional insurance broker lets them focus on finding the best benefits plans for your employees, while you focus on growing your business.
