Dental

Dental Insurance is often one of the most requested benefits by employees. Many employers provide dental insurance for their employees, but a growing number of employers are moving this coverage from their core benefits to a voluntary benefit that is paid 100% by the employee through payroll deductions. Most dental plans provide full coverage with a 100% benefit for preventive exams & cleanings, an 80% benefit for basic services such as fillings and root canals, and 50% benefit for major services and prosthodontics such as dentures, crowns, etc.

Some dental insurance companies provide a dental buy-up plan which allows the employer to purchase a base plan, while employees purchase additional benefits as needed. Another newer option for dental insurance is a dual option plan that allows each employee to choose a basic plan or a more comprehensive plan based on perceived personal needs. This is a voluntary benefit, which means that each employee gets the important coverage needed for self and family.