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 TypeChoice Of DentistsOut-of-pocket cost
PPO

Fewer Limitations:
Not required to visit in-network dentists but PPO in-network dentists will have lowest out-of-pocket costs.

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 PlansNo Limitations on networkDiscounted Fee: Reduced fee-for-service is completely out-of-pocket. No deductible or maximum.

 Disclaimer

  1.  NADP 2015 Consumer Study