Group Dental & Vision Insurance
What’s the value of dental insurance?
Group dental insurance has become a popular and affordable option for employers to offer. Generally, dental plans provide broad coverage for most types of dental services – including preventative, basic, major, and orthodontia. Group dental plans are generally on a Dental HMO or Dental PPO network – with the Dental HMO network being more restrictive. According to the National Association of Dental Plans (NADP), 92% of Americans with dental insurance get it through their employer or another group.
Because dental insurance focuses on prevention, many services such as preventive check-ups and cleanings are usually covered at 100%. Dental insurance also helps reduce your out-of-pocket costs for many procedures by sharing the cost with you. Without a dental plan, you would be responsible for the full cost of your treatment. Dental insurance helps you save even more money because we negotiate lower fees with our in-network dentists.
See how much insurance can save you on dental care costs.
According to Delta Dental – In these examples, each person in a family of four makes two preventive visits and has a cavity filled over the course of a year. The insured family has access to 100% covered preventive visits and greatly discounted basic/major services compared to the uninsured family. Compare the costs for a family without insurance to those who have it:
*Dental service fees are for illustrative purposes only. Premium rates are dependent upon your location and your plan type. See your plan for specific information.
**Preventive coverage may vary.
Preventative services are generally 100% covered without a deductible and include dental services such as routine oral examinations, x-rays, routine cleanings, fluoride treatments, sealants, space maintainers, and oral cancer screenings. Generally at least 2 preventive visits are covered per year.
Depending on the plan, basic services are usually covered 80% or 90% and include services like emergency care for pain relief, amalgam fillings, minor oral surgery, stainless steel crowns, and harmful habit appliances for children.
Depending on the plan major services are usually covered 50% or 60% include services like inlays/onlays, crowns, dentures, denture relines/rebases, denture repair and adjustments, implants, periodontics, and endodontics.
Orthodontia services generally cover children through age 18, however certain plans allow for employee/spouse orthodontia coverage as well. Orthodontia coverage typically involves treatment of irregularities in the teeth (especially of alignment and occlusion) and jaws, including the use of braces.
What’s the value of vision insurance?
Group vision insurance is generally relatively cheap and offers a broad range of coverage including eye examinations, contact lenses, glasses (frames/lenses), and even discounts on laser vision correction.