WHAT ARE THE FUTURE EMPLOYMENT PATTERNS
This pattern of seeking services outside the U.S. will become even more commonplace as more Hispanics enter the workforce. In fact, the U.S. Census Bureau projects the number of Hispanics will grow from 25% to 48% of the total Texas population, within the next decade. With other regions such as California, Arizona, & New Mexico having similar projections. This represents an increase in the Hispanic market of over 5.8 million individuals in just ten years.
WHY DO HISPANIC WORKERS DEFER USA TREATMENTS
American employers are becoming ever more reliant on employees of Hispanic descent. In attempting to provide benefits comparable to what their American employees receive, employers make available the same set of benefits to everyone. Unfortunately, most employers are not aware of the problems that face their foreign national employees when it comes to receiving their dental care in the United States.
Our research shows that American employers who employ a Hispanic workforce and offer only stateside dental plans get little, if any, direct benefit by including these benefits as part of the employee fringe benefit package because Latinos seldom use these plans, most employers are only now learning about the problems their Mexican national employees face when seeking dental care in the United States. These problems include:
a. Stateside unaffordable US dentists fees
b. Excessive out-of-pocket expenses
c. Stateside dental providers do not offer after-hours, weekend and holiday appointments. Employees cannot afford to take time off work to seek dental care.
d. U.S. dentists are not fluent in their native language.
e. U.S. dentists do not recognize/appreciate the cultural differences between Americans and Mexican nationals.
f. Copayments/coinsurance for US dental care plans often exceed the total cash cost for the same services in Mexico.
g. U.S. dentists spread their treatment plans over several visits.
h. U.S. dentists will usually only schedule one or two family members per visit
These problems result in most Mexican nationals traveling to Mexico to receive their dental (and healthcare) services, most often paying for these services out of their own pocket. These employees pursue care for themselves and their families in Mexicoin spite of having American based coverage. Employer impact is two-fold: wasted revenue on untouched benefits and dissatisfied personnel.