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.

  • Preventive Services:

    • Purpose: Aimed at preventing dental problems before they arise.
    • Examples: Routine cleanings, exams, X-rays, and fluoride treatments.
    • Coverage: These services are usually covered at the highest percentage, often 100%, with no deductible.
  • Basic Services:

    • Purpose: Address minor dental issues that require straightforward treatment.
    • Examples: Fillings, simple extractions, and periodontal maintenance.
    • Coverage: Typically covered at a slightly lower percentage than preventive services, often around 70-80%, after a deductible.
  • Major Services:

    • Purpose: Treat more complex dental conditions that require extensive work.
    • Examples: Crowns, bridges, dentures, and complex extractions.
    • Coverage: Usually covered at the lowest percentage, often 50%, and may have a waiting period before coverage begins.
  • Orthodontic Services:

    • Purpose: Correct irregularities in the alignment of teeth and jaws.
    • Examples: Braces and other orthodontic appliances.
    • Coverage: Not all plans include orthodontic coverage, but when they do, it is often subject to a separate lifetime maximum and may cover a percentage of the cost, typically 50%.

Group dental insurance plans can vary widely in terms of coverage, deductibles, co-payments, and annual maximum benefits. Employers or organizations may contribute to the cost of the premium, reducing the expense for individual members. It’s important for members to understand their plan’s specific coverage details, limitations, and exclusions to make the most of their dental benefits.

What’s the value of vision insurance?

Group vision insurance is a type of insurance plan that provides coverage for eye care services and products to a group of individuals, typically employees of a company or members of an organization. It is often offered as part of an employee benefits package. The coverage usually includes routine eye exams, prescription eyewear (glasses and contact lenses), and sometimes discounts on corrective eye surgery such as LASIK.

Advantages of Group Vision Insurance:

  1. Cost Savings: One of the primary benefits is the cost savings on eye care services and products. Group vision offer discounted rates on exams, eyeglasses, and contact lenses compared to purchasing these services and products individually.
  2. Preventive Care: Regular eye exams covered by the plan can help detect and prevent serious eye conditions and diseases, such as glaucoma, cataracts, and diabetic retinopathy, early on.
  3. Convenience: Group vision insurance simplifies the process of obtaining eye care by providing a network of eye care professionals and easy-to-use benefits.
  4. Employee Wellness: Offering vision insurance can contribute to overall employee wellness and productivity, as good vision is essential for performing daily tasks and reducing eye strain, especially for those who work with computers.
  5. Attractive Employee Benefit: Providing vision insurance can make a benefits package more attractive, helping to attract and retain employees.
  6. Increased Awareness: Having vision insurance encourages individuals to be more proactive about their eye health, leading to regular eye exams and timely correction of vision problems.