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Dental and Vision Benefits Remain Popular and Stable in Iowa

Dental and Vision Benefits Remain Popular and Stable in IowaIowa employers continue to offer two important ancillary benefits within their workplace setting – dental insurance and vision coverage. Both benefits are perceived by employees to be of high value and important to their overall health. And, there is good evidence that the long-term benefits to employee well-being can outweigh the associated costs of offering these plans.

Dental Coverage in Iowa

Overall, our 2019 study revealed that almost two-thirds (64 percent) of Iowa employers offer dental coverage – whether or not the cost was subsidized by employers. This offering compares to 60 percent in 2012. Organizational size usually determines whether these benefits are offered in the workplace. For Iowa employers with 101+ employees, 94 percent offered dental coverage, compared to 87 percent in 2012. However, 43 percent of employers with fewer than 101 employees offer dental, compared with over 50 percent seven years ago. It should be noted that employers with fewer than 10 employees are less likely to offer dental coverage, which greatly affects the <101 size category.

In addition to organizational size, location of employers can also determine whether dental coverage is offered: 69 percent of urban employers offer dental compared to 57 percent of rural organizations. In urban settings, a higher-populated geographical area, competition for personnel can be very intense, which usually results in more benefits being offered than in rural communities. NOTE:  Prior to the 2016 survey year, urban and rural employers were not broken out for comparison purposes.

Unlike the instability of health insurance costs, dental premiums have remained relatively stable over a large time period – providing a great amount of budget certainty for both employers and their employees. For example, dental insurance premiums reported by Iowa employers in 2012 were at $35 for Single and $92 Family, while in 2019, seven years later, the premiums were at $34 for Single and $99 for Family – very marginal differences.

The following graphic illustrates the great variance of employers offering dental coverage based on industry. All Colleges and Universities in Iowa responding to the 2019 survey indicate offering dental coverage, while only 49 percent of Construction and Retail organizations offer this benefit.

Vision Coverage in Iowa

Our 2019 study revealed that over 40 percent of all Iowa employers offer vision coverage – again, whether or not the cost was subsidized by employers. This offering compares to 39 percent in 2012. Similar to dental coverage, organizational size definitely determines whether these benefits are offered in the workplace. For Iowa employers with 101+ employees, 63 percent offered vision coverage, while only one-quarter of employers with fewer than 101 employees offer this benefit.

Again, urban employers are more likely to offer vision (45 percent) versus their rural counterparts (35 percent).

By industry, Financial Organizations and Iowa Colleges and Universities are most likely to offer vision coverage, while both Retail and Construction employers are least likely to provide this coverage.

For many obvious reasons, health insurance is often the most dominant topic of conversation (and concern) within employer-sponsored benefits. As a result, dental and vision benefits are regularly overshadowed. But, as demonstrated here, these two benefits continue to be both important and popular within the Iowa workplace.

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