The Best Group Dental Coverage at The Best Rates

What is Group Dental Insurance?

Group dental insurance is a type of dental coverage that is typically offered by employers to their team members, often as part of an employee benefits package. It can be an extremely cost effective way to provide dental coverage for your employees.

Key Features Affecting Your Costs:

• Premium: Payment made to the insurer for access to health insurance benefits. Generally, lower premiums mean higher out-of-pocket costs.
• Deductible: The amount you pay for healthcare services before your insurance begins to pay. Deductibles apply to your out-of-pocket maximum.
• Coinsurance: A percentage of the cost you pay for covered services. For example, with 20% coinsurance, you pay 20% of the cost until you reach your out-of-pocket max.
• Copayment (Copay): A fixed amount for specific services or prescription medications. Copays apply until you reach your out-of-pocket max.
• Maximum Out-of-Pocket: The most you have to pay for covered services within one policy year, including copays, coinsurance, and deductibles.

Small Group Employers

Small group employers have 2-50 full-time employees working 30 hours a week or more.

Midsize and Large Group Employers

Large group employers have 51 or more full-time employees working 30 hours a week or more. Premiums are calculated based on various employer-specific factors. In some states, employers need 101 employees to be considered a large group.

Benefits

Offering dental insurance as a part of your employee benefits package is a great way to provide value to your team members and relieve the stress from them having to find their own dental coverage.

What is Group Dental Insurance?

Just like group dental insurance, group vision insurance is designed to cover a portion of the costs associated with eye care and vision correction.

Group Vision insurance can cover:

• Eye Exams: Routine vision check-ups to assess eyesight and eye health.
• Corrective Lenses: Coverage for prescription glasses and contact lenses.
• Frames and Lenses: Discounts or coverage for eyeglass frames and lens upgrades (e.g., anti-glare coating, transition lenses).
• Specialty Care: In some cases, coverage or discounts for specialty eye care services, like vision therapy or treatment for eye conditions.