FAQs

Below are some Frequently Asked Questions by our clients. If you would like to submit a question of your own, please email your question to info@gilbertsrisksolutions.com.

True or False: The annual direct cost of dental disease is greater than that of stroke or coronary disease?

True. Poor dental health and care is increasingly being connected to stroke, coronary disease, and preterm, low birth weight infants. Individuals with periodontal disease have a 1.5 times greater risk of developing coronary heart disease, 1.9 times greater risk of suffering a fatal coronary event and are 2.8 times more likely to suffer a stroke. Mothers with periodontal disease during pregnancy are 7.9 times more likely to have a premature infant.

Dental problems also result in over 164 million work hours and 51 million school hours lost each year. Providing dental coverage can have an impact on the utilization of the medical plan and could, over time, reduce your costs.

Contact us for more information on dental insurance.

What is meant by consumer driven health care?

Consumer driven health care generally refers to high deductible health insurance plans that position the consumer (employee and dependents covered) to have greater control over health care decisions. The goal is to reduce health care costs while increasing or improving the quality of care received.

How can a wellness program help in reducing health insurance costs?

Wellness programs which focus on behavioral and lifestyle changes can help reduce health care costs over time and thereby reduce the costs of health insurance, improve productivity and attendance for the employer and employee.

True or False: Many employees have life insurance only through their employer.

True. It is not uncommon to learn that employees only have life insurance coverage provided by their employer. Workplace opportunities to purchase individual life policies can provide the employee enhanced family protection.