Group Dental Insurance is one of the most sought-after employee benefit. Numerous businesses provide dental insurance coverage for their employees, but an increasing number of employers are presenting this as a voluntary benefit that is paid 100% by the staff member through payroll deductions.
Most dental plans provide :
- Full coverage with a 100% benefit for preventive exams and cleanings,
- An 80% benefit for basic services such as fillings and root canals, and
- 50% benefit for major services and prosthodontics such as implants, dentures, crowns, etc.
Some dental insurance companies provide a dental buy-up plan that allows the employer to purchase a base plan, while staff members purchase additional benefits as necessary.
Another more recent option for dental insurance is a dual option plan that allows each staff member to choose a basic plan or a more detailed plan depending on her needs. This is a voluntary benefit, which means that each employee obtains the coverage needed for her and her family.