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We recommend adding Group Dental Insurance to your employer corporate group health insurance benefits plan.
There are several reasons to offer group dental insurance. Employee wellness is needs to be on the mind of all employers, our group benefits consulting division will help your company select the dental plan which is the most cost effective and gives your employees the type of dental coverage they want.
Not only does Dental Insurance help with employee wellness, but dental insurance can also help your company compete in the job market to attract new talent and keep current employees happy.
These plans give a network of dental providers or dentists to choose from. If you decide to use a dentist that is out-of-network, you have that option, but your costs will be higher.
In the (DPPO), you are not required to choose a primary care dentist. When enrolling in a (DPPO) you will usually have an annual deductible and coinsurance on the dental plan policy.
Once your deductible is met, the coinsurance will be activated and provide benefits up to the annual maximum each year.
Using a Dental Preferred Provider Organization (DPPO) – You will be covered for most preventive dental care such as routine cleanings, routine exams, and routine X-rays. Services that go beyond preventive may require co-pay and co-insurance.
Dental (HMO) or (DHMO) are typically more affordable, however there are differences from the (DPPO) plans.
With (DHMO) plans, preventive dental care, such as routine cleanings, exams, and routine X-rays is usually covered at 100% however there is a “set fee” for non-preventative dental services.
Dental Health Maintenance Organization (DHMO) plans usually do not provide dental coverage for dentists who are out-of-network. Therefore, these plans are recommended only if your dental provider is in-network.
Lastly, these plans usually do not have an annual maximum for covered services, so all covered services will be covered 100%.