Dental Insurance Options for Nannies

Posted on by admin | in Nanny Jobs

In areas where there is a high concentration of available posts and a corresponding shortage of quality childcare providers, one thing that families can do to create a more enticing benefits and compensation package is to provide insurance coverage beyond simple health plans. One of the most coveted types of additional coverage is dental insurance, as problems with the teeth and gums can be painful, potentially hazardous to a person’s health, and expensive to treat. Though there are a wide array of theories that attempt to explain the correlation between periodontal disease and an increased risk of heart disease and stroke, the jury is still out on the exact causes. What most researchers do agree on, however, is that a concrete link does exist. Ensuring that your nanny remains healthy and happy with her post may be as simple as incurring the expense of contributing to her health and dental insurance premiums, or covering them entirely.

Finding Dental Coverage

Obtaining an affordable and comprehensive dental plan is often as simple as contacting the same insurance company that carries your nanny’s health insurance policy. For an additional fee, dental and vision coverage can usually be added to her existing plan. Depending on the company, the cost of adding dental coverage may be less expensive than you expect. In order to provide both health and dental coverage, you will have to find an individual plan or, occasionally, an eligible group plan for her.

Perks of Providing Dental Coverage

Because an estimated 87% of the nearly two million domestic workers in the United States are currently uninsured, the most immediately obvious perk of offering a health insurance plan that includes dental coverage is an increased interest in the post and a stronger likelihood of finding a nanny. Additionally, a nanny with great benefits is more likely to stay with the family that provides these benefits, reducing turnover and helping you maintain a strong relationship with one consistent nanny.  In addition to the lowered chance of losing a great nanny to a family who does offer dental coverage, you may also significantly reduce the number of sick days that she’s forced to take to recover from major procedures if your nanny has access to affordable preventative dental care.

Because many daycare and early education centers do offer health, dental and vision coverage to their employees, many nannies find that the lower take-home pay in such jobs is actually worth the additional benefits; rather than relying upon a less-experienced nanny simply because she’s willing to accept a job with no health insurance, you may similarly find that the increased cost of providing an experienced, qualified nanny with these benefits is worth the additional cost. Furthermore, any employer contributions to a nanny’s health plan, even those that include dental coverage, is considered non-taxable income by the Internal Revenue Service. This can significantly offset the additional cost of providing these attractive additions to a nanny’s employment compensation package, further sweetening the deal for both you and your nanny.

Getting the Best Value

While it can be a low-hassle, time-saving step to simply contact the first insurance company you find in regards to your nanny’s health and dental coverage, getting the best value will require a bit of legwork. If you’re planning to provide these benefits, be prepared to set aside at least one whole day to compare rates and options before making a final decision. Look into both long and short term insurance options; depending on the amount of time that you plan to employ your nanny and whether or not you’re implementing a trial or probationary period, a more costly long term package may not be the ideal choice for your family or your private childcare provider. Taking your time and reviewing all of the options while familiarizing yourself with the ins and outs of employer-provided insurance will, despite the temporary hassles, more than pay off in the long run. By sufficiently researching every available option, you will be able to make an informed decision that benefits everyone involved.

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