Industry
Group Dental Insurance
Group dental insurance is an employer-sponsored benefit covering dental care expenses for employees and enrolled dependents. It consistently ranks second only to health insurance in employee preference, and employers offering dental benefits see measurably lower turnover. Group dental plans are str…
Key Coverages for Group Dental Businesses
- Preventive care: exams, cleanings, X-rays at 100%
- Basic services: fillings, simple extractions, root canals at 70–80%
- Major services: crowns, bridges, dentures at 50%
- Orthodontics: 50% up to lifetime maximum (optional rider)
- Dependent coverage for enrolled children and spouses
- Emergency dental care away from home
Frequently Asked Questions
How many employees do I need to offer group dental?
Most carriers require a minimum of 2 eligible employees. Some require 5. Participation requirements (percentage of eligible employees who must enroll) are typically 50–75%.
What is the difference between a DPPO and a DHMO?
A DPPO allows employees to see any dentist with higher in-network benefits. A DHMO requires selecting a primary dentist and getting referrals for specialists — similar to health HMO. DHMOs have lower premiums but less flexibility.