What It Is

More Than Just Cleanings

Group dental insurance provides employees and their dependents with access to a range of dental services at reduced cost, from routine preventive care to complex restorative procedures. Coverage is structured in tiers, with preventive services typically covered at the highest level to encourage regular dental visits.

Employers choose a plan design and contribution level, and employees elect coverage during open enrollment. Premiums are split between employer and employee and are typically deducted from payroll pre-tax, reducing taxable income for both parties.

Group dental rates are substantially lower than individual dental policies. Offering dental coverage as part of your benefits package increases the perceived value of your total compensation and keeps your team healthier from the ground up.

The Health Connection

Oral Health is Overall Health

Research consistently links poor oral health to serious systemic conditions including heart disease, diabetes, and respiratory illness. Employees who skip dental care due to cost are not just risking their teeth — they are increasing their risk of conditions that lead to more serious medical claims and lost workdays.

Group dental coverage encourages employees to seek preventive care twice a year, catching small problems before they become large and expensive ones. It is one of the most cost-effective investments an employer can make in the long-term health of their workforce.

How Coverage Works

Dental Plans Cover Care in Three Tiers

Tier 1

Preventative Care

100%

Most plans cover preventive services in full when using an in-network provider. These are the services that prevent larger problems.

  • Routine cleanings (2x per year)
  • Oral exams and X-rays
  • Fluoride treatments
  • Sealants for children
Tier 2

Basic Restorative

70-80%

Basic services address common dental problems after the deductible is met. The employee pays the remaining percentage.

  • Fillings (composite and amalgam)
  • Simple extractions
  • Emergency dental treatment
  • Periodontal maintenance
Tier 3

Major Services

50%

Major restorative work is covered at 50% after the deductible. Annual maximums apply to total benefits paid per covered person.

  • Crowns and bridges
  • Dentures and partials
  • Oral surgery
  • Root canals
Plan Options

Common group dental plan structures

DPPO

Dental Preferred Provider Organization. Employees can see any licensed dentist but pay less when staying in-network. Most flexible option.

DHMO

Dental Health Maintenance Organization. Employees choose a primary dentist from the network. Lower premiums with no annual maximum.

Indemnity

Traditional fee-for-service dental insurance. See any dentist anywhere with no network restrictions. Highest flexibility, higher cost.

Discount Plans

Not insurance, but a network of dentists offering reduced fees to plan members. Useful as a standalone benefit or supplement.

Let’s Talk

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