Dental Insurance is an insurance coverage for individuals to protect them against dental costs. It insures against the expense of treatment and care of dental disease and accident to teeth. The most common types of dental insurance plans are Preferred Provider Organizations (PPO) or Dental Health Maintenance Organizations (DHMO). Both types are considered managed care.
Group Dental
- Group Medical
- Group Dental
- Group Vision
- Life Insurance / Accidental Death and Dismemberment (AD&D)
- Short-Term Disability (STD)
- Long-Term Disability (LTD)
- Long-Term Care (LTC)
- Employee Assistance Program (EAP)
- Travel Insurance
- Pet Insurance
- Section 125 Cafeteria Plan
- Consolidated Omnibus Budget Reconciliation Act (COBRA)
- Legal Services
- Qualified Retirement Plan
- Travel insurance
Group Dental
FAQ'S
How would a dental plan be implemented for my group?
Employees would need to follow the same guidelines in setting up a group medical plan.
My employees are complaining that their dental plan does not cover enough of their dental expenses. Why are my employees paying so much out-of-pocket for dental care?
The cost of dental care is very expensive. Dentists who are not contracted with the insurance carriers can charge retail prices, which translates to a higher out-of-pocket cost. It is critical to stay within the network to contain costs and to know the cost of the procedures before receiving treatment. Typically, an employee spends $300-$500 in annual premium and receives $1,500-$2,000 in dental benefits. By any standard, this is a very attractive proposition.
Would this policy cover the cost of braces for my employee?
When orthodontia coverage is purchased, typically, orthodontia will only cover children under the age of 19. However, some group dental plans may cover adults and children. Both have a lifetime maximum and an annual deductible.
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