Should you work with a dental benefits broker?

An Oral Health Guide for Newborns and New ParentsDental coverage is rated as one of the most important benefits by potential employees,11 making it a major part of strategy for recruiting and retaining top talent in a competitive hiring environment.

When you shop for dental coverage for your employees, a broker can save you time, money and worry by helping you understand the details and the level of coverage you need.

How is a broker different from an agent?
You can purchase a dental policy from either a broker or an agent. A broker represents your organization as an intermediary with the benefits provider, while an agent represents the benefits provider or providers.12

What will using a broker cost me?
There are fees associated with using a broker, whether it’s a flat fee or a commission paid by benefits providers that could be reflected in your premium.13

What are the advantages of working with a broker?
A broker can take over the time-consuming work of researching your options for dental benefits. Because brokers aren’t tied to one company, they can ideally provide you with impartial advice. A broker can focus on your unique needs, help you compare plans and work in your best interests. This allows the broker to look at more options to find the best value for the coverage, even if it isn’t the lowest price option. Their experience in working with a variety of companies can help them gain a broader understanding of the offerings available.14,15

How do I find a broker to work with?
Check the broker’s reputation by asking for referrals and by contacting your state’s insurance commissioner’s office. Make sure to ask questions to see if they are a good fit for your company. For instance, find out if the broker is experienced in finding dental coverage for firms of similar size to your organization.

11 https://www.shrm.org/resourcesandtools/hr-topics/benefits/pages/dental-benefits-save-employers-money.aspx
12 https://www.thebalancesmb.com/agents-versus-brokers-and-how-they-make-money-462383
13 https://guides.wsj.com/small-business/hiring-and-managing-employees/how-to-hire-a-health-insurance-broker-or-agent/
14 https://www.moneytips.com/pros-and-cons-of-using-an-insurance-broker-or-agent
15 https://corporatefinanceinstitute.com/resources/careers/jobs/commercial-insurance-broker/


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