Group Dental Insurance
Offer employees group dental insurance that focuses on overall health
There is a reason your employees want and deserve dental insurance. Without good oral care, people are 67% more likely to have heart disease; 50% more likely to have osteoporosis, and 29% more likely to have diabetes. That’s why it is no surprising that 75% of employees consider dental coverage very important.
Dental insurance can provide great benefits to your employees and to you as an employer. See how the 4 plan types work and what they cover. Which dental plan type fits your needs?
Plan Type | Choice Of Dentists | Out-of-pocket cost |
---|---|---|
PPO | Fewer Limitations: | Copayment: Pay a copayment for procedures. Require you to reach a deductible and have a maximum. |
HMO (Prepaid Plan) | Very Limited: Choose one dentist or facility. Out-of-network procedures will not be covered. | Coinsurance: No deductibles or maximum. You pay a copayment for certain procedures. Some products may have zero-out-of-pocket costs. |
Fee-for-Service (Indemnity Plan) | Fewer Limitations: Large choice of dentists. | Copayment + Fee: Pay a copayment for procedures. Additional fee for the dentist since they are not reimbursed. |
Discount Plans | No Limitations on network | Discounted Fee: Reduced fee-for-service is completely out-of-pocket. No deductible or maximum. |
Disclaimer
- NADP 2015 Consumer Study