Dental insurance is one of the most visible benefits you can offer. Visible, because it is the most frequently used employee benefit. It is also the most appreciated benefit, if you have a good plan.
PPO
Dental Plans
This type of plan allows the most flexibility in choosing a dentist.
A typical benefit design may look like this:
| PPO | Non-PPO | |
Annual Maximum Benefit |
$1,000 | $1,000 |
| Annual Deductible | $50 | $50 |
| Preventive Services | 100% |
80% |
| Routine Services | 90% | 80% |
| Major Services | 60% | 50% |
Each insurance company will offer different variables to the above design. Some have a $1,500 annual maximum available. Others will waive the deductible on the preventive services. They may offer an Orthodontia benefit.
Prepaid
HMO Dental Plans
This type of structure works similar to an HMO medical plan and is the
most economical type of dental plan. This should result in the lowest
out of pocket cost to the member.
Members will choose a dentist from a list of participating dentists,
then use this dentist when seeking dental care. These dentists have
agreed to provide dental care at substantially reduced rates. The member
will be required to pay the co-pay shown on the co-payment schedule
for covered services.
We work with all the major insurance carriers and plan types.
If this is your first plan, let us help you design a plan that fits your needs. If you have a plan, let us help you find a more competitive offering.
Getting a quote for Dental, Life, Group Health Insurance or LTD is easy.