Group Dental

	Group Dental Insurance provides coverage in three major areas; Preventative (cleaning), Basic (cavities) and Major (Crowns, Root Canals, etc.)

Studies have shown that good dental health can affect the overall health of your employees. It’s easy to add dental insurance to your group health plan.

Group Dental Insurance coverage is provided to help prevent major oral health problems and expenses. Group dental care plans range from traditional plans that offer liberal services to plans that are focused on helping employees maintain good dental health. Most plans encourage preventive treatment, allowing employees to achieve oral health while striving to minimize dental costs. A wide range of products, are available from managed care to true group indemnity products.

A typical Group Dental plan includes three types of services.

1. Preventative - This provides coverage for two exams per year and is usually paid 100%.
2. Basic Services - This provides coverage for services like filling cavities and other minor procedures. Coverage for this is usually with a deductible and copayment.
3. Major Services - This coverage includes procedures like crowns and root canals with a higher deductible and copay. All dental plans have an annual maximum which can be anywhere from $1,000 to $2,000 as an average. Orthodontia is generally not covered, but some top of the line programs do include this benefit.

There are less expensive discount programs that are not true Dental Insurance, but do offer discounts for participating providers.