Things to Know About Group Dental Insurance
Group dental insurance is a type of dental coverage offered to members of an organization, typically through employers. It provides a cost-effective way for employees to access dental care while helping employers attract and retain talent. Mark E. Snapp & Associates provides group dental insurance in Charleston, WV, Morgantown, West Palm Beach, FL, Fort Pierce, FL, Beckley, Canton, OH and surrounding areas.
These are key points to understand about group dental insurance:
- Lower Premiums:
Group dental plans often have lower premiums than individual plans because the risk is spread across many participants. Employers may cover part or all of the premium, reducing out-of-pocket costs for employees.
- Coverage Levels:
Most plans cover preventive care (like cleanings and exams) at 100%, with partial coverage for basic procedures (fillings, extractions) and major services (crowns, root canals). Orthodontic benefits may be included, typically for children and sometimes for adults.
- Network Access:
Plans often have a network of dentists. Using in-network providers usually results in lower costs. Some plans offer out-of-network coverage, but the employee may pay more.
- Annual Limits and Deductibles:
Group dental plans usually include an annual maximum benefit—commonly between $1,000 and $2,000. Deductibles apply to most non-preventive services and vary by plan.
- Waiting Periods:
Some group plans have waiting periods for certain procedures, especially major ones. However, many waive these if the employee had prior coverage.
- Portability and COBRA:
Coverage typically ends when employment ends, but employees may continue benefits temporarily through COBRA. However, they must pay the full premium.
- Dependents and Family Plans:
Many group plans allow employees to add spouses and dependents, often at a higher premium.
- Enrollment Periods:
Employees usually enroll during a company’s open enrollment period or after a qualifying life event (e.g., marriage, birth of a child).
In summary, group dental insurance is an affordable and valuable benefit that supports good oral health. Understanding the plan’s terms helps employees make the most of their coverage. Would you like to discuss? Please give us a call, or email us!