Group dental insurance, also known as group dental benefits, is by far one of the most requested employee benefit plan options. Though most dental plans appear similar at first glance, they do vary depending on the insurer, plan design and plan type.
An insurance broker that specializes in employee benefits will be able to work with you to find the group dental insurance plan that meets your need and budget. When it comes to meeting your needs in terms of coverage, one must design the plan appropriately and have access to the insurance carriers that are able to meet your requirements.
For group insurance purposes, dental services are generally grouped into three categories or tiers. The first category being basic or routine care, the second category being major restorative and the highest and final category being orthodontic services. It is important to note that accidental dental benefits are typically covered under your group insurance plan’s extended health care provisions.
Most small businesses with budget concerns will elect to take only basic and routine dental services. Businesses with a larger budget may consider electing major or orthodontic services.
Beyond the actual services covered, group dental insurance will include specifications around fee guides, coinsurance, deductibles, limits, maximums, replacement limitations, age limitations, and eligibility limitations.