We Tailor Dental Plans to Fit Your Employees Needs
Our Trusted Dental Plan Partners
We are a Broker, meaning we work with many carriers
How we find Group Dental Coverage to fit your employees need
We will discuss what is most important to your employees and what type of coverage they need. Then we will compare the plans to find the right one for your employees.
We partner with many carriers, but we work for YOU not the insurance companies. We will help you find the plan that is right for your employees.
We will cover what the plans cover and what they don’t so there are no surprises.
Don’t stick your employees with limited coverage at the time they need it most. We will help you understand exactly what they are covered for.
Three Primary Components to a Dental Insurance Plan
Annual Maximum Benefit
A majority of dental insurance plans start with a $1,000 Annual Maximum Benefit which is the maximum dollar amount that the insurance plan covers per calendar year for each member enrolled in the dental plan: employee, spouse, and children.
We can pair you with our preferred dental insurance partners to provide $1,500, $2,000, and $3,000 Annual Maximum Benefit plan options. You may even consider offering a dual choice plan that provides employees that want or need more dental care benefit a higher plan alongside a standard plan option for employees that only need routine care.
Annual Deductible
A dental insurance Deductible is the fixed dollar amount an employee must pay out-of-pocket each year before their plan starts to pay for covered dental treatments in the basic and major services categories. The Deductible is applied to each member of the employee’s Family but is capped at 3 members per year. For example, a standard Deductible is $50 and the maximum Deductible an employee pays for their Family is $150 (3x the Individual) even if the Family size is five (5) members and all five (5) receive basic and or major treatment services.
We can pair you with our preferred dental insurance partners that can reduce the annual Deductible to $25 or $0 dollars.
Dental insurance plans are typically the 2nd highest cost plan in an employee benefits package therefore we partner with highly rated dental insurance companies that can offer valuable plans with great provider network access for costs that are typically 20-40% lower than you might be paying today.
Service Category Coinsurance
Most dental insurance divides dental care into three (3) service categories: preventive, basic, and major. The service category determines the percentage of the cost the insurance covers, coinsurance. The common coinsurance percentages are as follows:
- Preventive = 100% - includes routine exams, cleanings, and x-rays
- Basic = 80% - includes fillings, sealants, root canals, and other minor services
- Major = 50% - includes oral surgery, crowns, on lays & inlays, plus bridges and dentures
We can pair you with our preferred dental insurance partners that will increase the Basic and Major services coinsurance to 90% and 60% respectively. Providing employees and their families greater dental care savings.